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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.

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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.

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