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At Three Bays Lending, we provide a well-informed, personal approach to make your homeownership journey smooth. With a 90% success rate in beating big bank offers, we’re committed to saving you money with prompt, attentive service. We partner with the best realtors to turn your dreams into reality—faster and easier, with trust and clarity at every step.

FAST. SIMPLE. TRANSPARENT.

Start the journey to home ownership today!

No impact on your credit score

No documents required

Takes 6 minutes

Your mortgage needs may change but the team at Three Bays Lending is always here to help.

You are unique and so are your options

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Buy Your Dream Home

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Put the money in your home to work

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Buy a passive income asset

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Eliminate monthly mortgage insurance

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Pay off debt and save money faster

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Average time from application to clear to close: 14 Days

See what we can do for you.

We are licensed in: MN, WI, IA, FL, CO, TX, ND, WA, and WY.

Image of the a map of the United States showing the states of WA, MN, ND, WI, IA, FL, TX, WY, and CO shaded in Gold. Other states are shaded in White. Three Bays Lending is licensed in all states that are shaded in gold.