At Three Bays Lending, we turn complexity into simplicity, uncertainty into transparency, and dreams into homes.

Three Bays Lending was founded in 2023 with a clear purpose: To redefine the mortgage experience. Our mission was simple; provide the best experience, the simplest process, and the most transparent financial solutions to our customers and partners.

Speed up your path to homeownership today!

Our Mission

Our mission goes beyond mortgages; it’s about the privilege of helping individuals experience the joy of homeownership. Our team is committed to offering each client the guidance, strategy, and expertise needed to secure the ideal mortgage for their home. We make financial decisions easy to understand ensuring transparency, clarity, confidence, and integrity in our execution.

You are unique and so are we

We value relationships. Obtaining the biggest loan of your life comes with questions, concerns, and emotions. That's why we provide a dedicated Loan Pro for you to reach out to at any time, ensuring personalized support throughout your financial journey.

Speed is key

We know the stress of not knowing. When time is of the essence you can expect a unified front. With our team on your side, you can rest assured that your mortgage experience will be smooth, stress-free, and successful.

In unity, you prosper

Financing a home takes a team. Not just any team, a unified team with your vision in mind to execute on. We enlist the best on the field: real estate pros, attorneys, appraisers, you name it. We unified the best people to deliver for you

Let us make it simple for you to decide if now is the time to buy

It can be challenging to understand how much you can actually afford without disrupting your lifestyle and family. We have your back, honesty makes decisions easier.

See what our clients are saying

  • Five Gold Stars

    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.

  • Five Gold Stars

    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

  • Five Gold Stars

    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.

  • Five Gold Stars

    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.

  • Five Gold Stars

    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.

  • Five Gold Stars

    As a first time homebuyer I was not aware of everything involved with getting a mortgage, Doug and the team at Three Bays helped me every step of the way. I would Recommend Three Bays to anyone whether they are a first time buyer or on their 10th house. I will return to them for sure

    — Noah K.

  • Five gold stars

    Thomas Jussila and his team are THE BEST OF THE BEST! Such a smooth process with them. Thomas works insanely efficient, is an excellent communicator, makes things easy, and always had our back every step of the way! JoAnn and Mary Beth all help make it happen. Would recommend Thomas and his team to everyone!

    Brandon J.

  • Five Gold Stars

    Nothing but good things to say about Ben Raley, he explains every step of the process and made me feel very comfortable throughout it. He also went above and beyond to help me close this deal and get me my first home!

    Jack L.

  • Five Gold Stars

    Three bays lending is the absolute best lending company to work with. I’ve personally referred out all of my clients to Mark, James, and Thomas and have had nothing but 10/10 experiences with them! Can’t wait to help more of my buyers get the best mortgage experience possible!

    Max M.

  • Five Gold Stars

    Ryan Molstad Loan officer with Three Bays was amazing! Fast service and great rates are often advertised but Ryan Molstad and his team was able to go above and beyond to get my clients consistent high level service. Highly recommend Ryan Molstad for all mortgage and real estate needs!

    Dan B.