Buy a Home
Unlimited options, guided by experienced loan originators.
Unlimited Options
At Bay to Bay Lending we pride ourselves on providing our borrowers with unlimited options. Below is a list of loans our experienced Loan Originators can assist you with. We understand there will be questions about what loan is best for your individual needs.
Call us today to learn more! 813-251-2700
Loan Programs
Conventional
Conventional home loans are standard mortgages that conform to Fannie Mae and Freddie Mac guidelines — the most common option.
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FHA
FHA mortgage loans are for first-time buyers with small deposits or lower credit scores. They have more flexible qualifying guidelines.
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VA
VA mortgage loans are for eligible veterans and don't require a down payment or private mortgage insurance.
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USDA
USDA loans help buyers in eligible rural and suburban areas purchase with no down payment.
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Jumbo
Jumbo loans are for higher-priced homes where the mortgage amount is larger than conventional conforming limits.
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Construction-Permanent
Finance the construction of your home and roll it into permanent financing with a single closing.
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Hard Money & Private
Asset-based financing for investors and unique situations where speed and flexibility matter most.
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Portfolio & Non-QM
Flexible loan programs for self-employed borrowers and scenarios that fall outside conventional guidelines.
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Renovation & Rehab
Finance the purchase or refinance of a home plus the cost of renovations in one loan.
Learn MoreWhat Our Clients Say
“Don was incredible to work with throughout my entire home-buying process as a first-time buyer. He was always quick to respond, happy to run different numbers for me, and consistently helped me stay on top of my timelines and due dates.”
Cailyn Hankins
Google Review