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Fast. Simple. Transparent.


Navigate your mortgage journey with ease. At Three Bays Lending we turn complexity into simplicity, uncertainty into transparency, and dreams into homes. Speed up your path to homeownership today. Welcome to a Better Mortgage Experience.

Start the journey to home ownership today!

  • No impact on your credit score

  • No documents required

  • Takes 6 minutes

The need for a mortgage never goes away and neither will your Three Bays Pro.

Full Transparency in Lending

We believe in complete transparency. We provide a clear understanding of the entire process ensuring clients can make informed decisions while fostering trust and confidence in the lending relationship. An informed borrower is a confident buyer. Our dedication empowers realtors and homebuyers.

You are unique and so are your options

Buy Your Dream Home

Put the money in your home to work

Buy a passive income asset

Eliminate monthly mortgage insurance

Pay off debt and save money faster

Average time from application to clear to close: 14 Days

See what we can do for you.

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