About Bay to Bay Lending
Bay To Bay Lending, founded in 2014 and based in Tampa, FL, is a direct lender dedicated to making the home buying or refinancing process personal again. With a focus on reducing stress and confusion, they offer a premier level of experience and support to guide clients through what can often be a complex journey.
The lender provides a comprehensive suite of home loan options, catering to diverse borrower needs. Their offerings span traditional choices like Conventional, FHA, VA, and USDA mortgages, alongside specialized solutions such as Hard Money, Jumbo, and Non-QM loans, including portfolio lending. They also emphasize renovation and construction-permanent financing, demonstrating their commitment to assisting with various property and financial scenarios.
Bay To Bay Lending distinguishes itself by simplifying the financing journey, utilizing online application tools to streamline the process. They also offer flexible home equity solutions, including HELOCs with fixed amortizing terms up to 30 years, designed to provide financial security for everything from home improvements to business funding and debt consolidation.
The lender provides a comprehensive suite of home loan options, catering to diverse borrower needs. Their offerings span traditional choices like Conventional, FHA, VA, and USDA mortgages, alongside specialized solutions such as Hard Money, Jumbo, and Non-QM loans, including portfolio lending. They also emphasize renovation and construction-permanent financing, demonstrating their commitment to assisting with various property and financial scenarios.
Bay To Bay Lending distinguishes itself by simplifying the financing journey, utilizing online application tools to streamline the process. They also offer flexible home equity solutions, including HELOCs with fixed amortizing terms up to 30 years, designed to provide financial security for everything from home improvements to business funding and debt consolidation.
Company Information
Founded: 2014
Lender Type: Direct Lender
Headquarters: Tampa, FL
Certifications & Credentials
FHA ApprovedVA ApprovedUSDA Approved
Digital Capabilities
Online Application
Digital Document Upload
E-Signature
Home Loan Products
Conventional Mortgages
Loan Types:
ConventionalRefinance
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-Employed
Income Verification:
Full Documentation
FHA Loans
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
Hard Money and Private Financing
Loan Types:
Hard Money
Rate Types:
Fixed Rate
Property Types:
Investment Property
Occupancy Types:
Investment Property
Employment Types:
InvestorBusiness Owner
Income Verification:
No Income Verification
Credit Tiers:
Poor (580-619)Bad (<580)
Jumbo Mortgages
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
Credit Tiers:
Excellent (740+)Good (680-739)
Portfolio Lending and NON-QM Mortgages
Loan Types:
PortfolioNon-QMBank StatementAsset Depletion
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-Employed1099 ContractorInvestorBusiness Owner
Income Verification:
Bank StatementAsset DepletionNo Income Verification
Special Programs:
Bank Statement ProgramAsset Depletion ProgramSelf-Employed Program
Credit Tiers:
Good (680-739)Fair (620-679)Poor (580-619)
Renovation and Rehab Loans
Loan Types:
ConstructionRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Renovation LoanFHA 203k
USDA Mortgage Loans
Loan Types:
USDARefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment Program
VA Mortgages
Loan Types:
VARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeRetired
Income Verification:
Full Documentation
Special Programs:
Veteran ProgramLow Down Payment Program
Home Equity Line of Credit (HELOC)
Loan Types:
HELOCCash-Out RefinanceHome Equity LoanSecond Mortgage
Rate Types:
Adjustable Rate (ARM)Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseInvestment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedRetiredBusiness Owner
Income Verification:
Full Documentation
Available Terms:
5 years10 years15 years20 years25 years30 years
Construction Permanent Financing
Loan Types:
Construction
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary ResidenceSecond Home
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Contact Information
Fax: (813) 489-2493
Professional Licenses
NMLS ID: 4102
326 S Hyde Park Ave
Tampa, FL 33606
US
Mailing Address:
326 S. Hyde Park Ave. Tampa, FL 33606
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Business Information
Category: Mortgage Broker
Location: Tampa, FL
Status: Standard
Founded: 2014
Type: Direct Lender
NMLS ID: 4102
Profile Views: 0
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