At Three Bays Lending, we streamline financial decisions for clients with clear, transparent processes. We provide personalized, stress-free mortgage experiences.

Meet the Three Bays Lending Team

Thomas Jussila

Broker/Owner
NMLS # 194821

Meet Thomas
Ben Raley

Market Manager / Sr Loan Officer
NMLS # 400453

Meet Ben
Brett Meyer

Loan Officer
NMLS # 793156

Meet Brett
Doug Humphrey

Loan Officer
NMLS # 2094565

Meet Doug
Greg Rios

Loan Officer
NMLS # 1505482

Meet Greg
James Grayson

Loan Officer
NMLS #1531140

Meet James
JoAnn Sims

Mortgage Loan Processor

Meet JoAnn
Josué Boutouli

Loan Officer
NMLS #2311968

Meet Josué
Katelyn Meredith

Loan Officer
NMLS #1700380

Meet Katelyn
Lee Heckenlaible

Sr Loan Officer
NMLS #1775593

Meet Lee
Lisa Fiegel

VP of Operations

Meet Lisa
Mark Sandberg

Market Manager / Sr Loan Officer
NMLS #404674

Meet Mark
Mary Beth Peterson

Loan Officer
NMLS #518356

Meet Mary Beth
Adara Thomas

Loan Officer
NMLS #2102751

Meet Adara
Come Work With Us!

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What our clients say about us…

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.