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Fast. Simple. Transparent.

Navigate your mortgage journey with ease. At Three Bays Lending, we specialize in providing personalized mortgage solutions. 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

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

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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.

Full Transparency in Lending

You are unique and so are your options

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Buy Your Dream Home

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Put the money in your home to work

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Buy a passive income asset

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Eliminate monthly mortgage insurance

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Pay off debt and save money faster

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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, WA, and WY.

Image of the a map of the United States showing the states of WA, MN, ND, WI, IA, FL, TX, WY, and CO shaded in Gold. Other states are shaded in White. Three Bays Lending is licensed in all states that are shaded in gold.