Buy a Home
Explore loan options for first-time buyers, move-up buyers, and everyone in between — and find the right fit for your purchase.
Learn MoreRefinance / Leverage Equity
Lower your rate, shorten your term, or tap your equity. See whether refinancing makes sense for where you are now.
Learn MoreHELOC
Flexible, reusable access to your home's equity — borrow what you need, when you need it, without touching your first mortgage.
Learn MoreWhy Bay to Bay Lending Is Right for You
Choosing a mortgage broker is a big decision. Here are six reasons Bay to Bay Lending is a smart choice for you:
Personal Touch
We take the time to listen, understand what you actually need, and stay with you from your first question to closing day.
Save Money
A broker working in your corner is almost always the cheaper path. Bay to Bay Lending shops the market to keep more money in your pocket.
Custom Approach
We build a loan around you — not the other way around. No forcing you into a program that does not fit just because it is convenient for us.
Increased Reach
With access to a wide network of lenders, we put plenty of real options in front of you — without any extra legwork on your end.
Years of Experience
We know this market inside and out, and we put that experience to work navigating the details that trip most borrowers up.
Save Time
Skip the hours of calling lender after lender. Work with one broker who handles it all — Bay to Bay Lending does the running around for you.
Today's Mortgage Rates
National average rates across major loan programs, updated weekly.
Source: Optimal Blue (OBMMI) via FRED. As of June 10, 2026.
Rates shown are national benchmark averages (Optimal Blue Mortgage Market Indices and the Freddie Mac Primary Mortgage Market Survey, via the Federal Reserve Bank of St. Louis) and are for informational purposes only. They are not an offer, quote, or commitment to lend, and do not reflect any specific borrower scenario, points, fees, or APR. Contact us for a personalized rate quote.
FAQs
It depends on the loan program — some options allow as little as 0–3.5% down. We will walk you through what fits your situation.
Often the same day once we have your basic information and documentation.
There are programs for a wide range of credit profiles. Let us review your scenario and find the best fit.