About Bay Mortgage
Bay Mortgage, LLC is a dedicated mortgage provider based in Virginia Beach, VA, committed to delivering a professional and pleasant mortgage transaction experience. Their mission revolves around creating lifelong clients and fostering referrals by consistently exceeding expectations and providing exceptional service backed by trusted expertise. They emphasize a customer-first approach, leveraging their knowledge within the residential lending industry.
The lender distinguishes itself through a comprehensive array of loan programs tailored to various borrower needs, including conventional, government-backed (FHA, VA, USDA), jumbo, DSCR, Non-QM, Foreign National, construction, and home equity loans. They streamline the process with digital capabilities like online applications and secure document uploads, aiming to simplify the journey for both purchase and refinance clients, including first-time homebuyers.
Bay Mortgage, LLC combines personalized guidance from experienced mortgage professionals with modern tools, such as mortgage calculators and pre-qualification assistance. Their commitment to guiding clients through every step of the loan process, from pre-qualification to closing, demonstrates their dedication to client education and transparency, ensuring borrowers make informed decisions.
The lender distinguishes itself through a comprehensive array of loan programs tailored to various borrower needs, including conventional, government-backed (FHA, VA, USDA), jumbo, DSCR, Non-QM, Foreign National, construction, and home equity loans. They streamline the process with digital capabilities like online applications and secure document uploads, aiming to simplify the journey for both purchase and refinance clients, including first-time homebuyers.
Bay Mortgage, LLC combines personalized guidance from experienced mortgage professionals with modern tools, such as mortgage calculators and pre-qualification assistance. Their commitment to guiding clients through every step of the loan process, from pre-qualification to closing, demonstrates their dedication to client education and transparency, ensuring borrowers make informed decisions.
Company Information
Lender Type: Direct Lender
Headquarters: Virginia Beach, VA
Licensed In
VA
Digital Capabilities
Online Application
Digital Document Upload
Rate Calculator
Pre-Qualification Tool
Automated Underwriting
Home Loan Products
Conventional Loan Program
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Credit Tiers:
Excellent (740+)Good (680-739)
680
Min Credit Score
FHA Loan Program
Loan Types:
FHARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
VA Loan Program
Loan Types:
VARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Veteran Program
USDA Loan Program
Loan Types:
USDARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Jumbo Loan Program
Loan Types:
JumboRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
DSCR Loan Program
Loan Types:
DSCR
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Investment Property
Occupancy Types:
Investment Property
Employment Types:
InvestorBusiness Owner
Income Verification:
No Income Verification
Foreign National Loan Program
Loan Types:
Non-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoInvestment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
Foreign National ProgramNon-Resident Alien Program
Non-QM Loan Program
Loan Types:
Non-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Construction Loan Program
Loan Types:
Construction
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Home Equity Loan Program
Loan Types:
Home Equity LoanSecond Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Contact Information
1 Columbus Ctr Ste 600
Virginia Beach, VA 23462
US
Mailing Address:
One Columbus Center Ste 600 Virginia Beach, VA 23462
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Business Information
Category: Mortgage Broker
Location: Virginia Beach, VA
Status: Standard
Type: Direct Lender
NMLS ID: 466694
Profile Views: 2
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