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Three Bays Lending is a top-performing mortgage broker dedicated to making home financing smooth and stress-free. With a 90% success rate 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.

How Much Home Can You Afford?
Find Out for Free!

No impact on your credit score

No documents required

Takes 6 minutes

Mortgage Calculator

You are unique and so are your options

Whether you’re buying your first home, refinancing an existing mortgage, or exploring other loan options, our expert team is here to guide you every step of the way. We take the time to understand your unique financial situation and work diligently to find the best mortgage solutions tailored to your needs.

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Buy Your Dream Home

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Put the money in your home to work

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Eliminate monthly mortgage insurance

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Pay off debt and save money faster

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

Average time from application to clear to close: 14 Days

See what we can do for you.

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

  • Thomas made buying our first home flawless. The application process was way easier than I expected. Communication was great, Thomas would answer any questions/concerns quickly. The rest of his team was also super friendly and easy to work with. If you’re in the market Thomas is definitely the guy to work with

    — Eric S.

  • The team at "Three Bays Lending" are Awesome!! The WHOLE process was quick, super convenient, simple, and easy. Everything is done online, which makes it easy to get them/sign for documents. I had Absolutely NO issues. Communication is Superb. But, the best part is Thomas got me a Phenomenal interest rate. Which isn't easy in this crazy market. I would DEFINATELY recommend this company. I know who I'm contacting if I choose to purchase another home. A HUGE thank you to the Team at Three Bays Lending!

    — Ms.BluMoon Sage

  • I recently had an opportunity to work with Three Bays Lending and Thomas specifically. I must say, my experience was amazing. Thomas is very approachable and professional. He took time to understand my financial situation and needs, offering guidance without any pressure. The loan process was straightforward and transparent. I was impressed by the efficiency and the ease everything was handled. Thomas made me feel secure and well informed. I highly recommend Three Bays Lending to anyone seeking a trustworthy and efficient loan company.

    — Natalia W.

  • If you are looking for a lender, look no further! Thomas and team (Brett and Katelyn) are AMAZING! They walked me through every step of purchasing a home, and not only did they do it once, they did it several times as I had many questions. They had immediate responses and helped me digest all of the information in a tone in which I could grasp. Buying a home is definitely overwhelming but this group helps take a lot of stress away! I truly appreciate you, Thomas amd team!

    — Sara D.

  • I was referred to Brett through my realtor. Having dealt with bad loan officers in the past I came into this a bit skeptical. Brett truly went above and beyond. He was always extremely responsive and easy to get ahold of. Having dealt with people in the past who were difficult to reach, having someone who is as responsive as Brett is extremely helpful. He was knowledgeable and came up with many options for our situation, even digging up options that hardly anyone knows existed. He got us a GREAT interest rate on a rental property! I can't recommend him enough!!

    — Max P.

  • Was very pleased with the personal touch we got with Mary Beth, she worked very hard to keep us up to date on all of our loan steps.

    — Trenton S.