Your Future Deserves a Second Look.
Get a Better Mortgage with Three Bays Lending
90% Success Rate Beating Our Competitors
Call us today!
(612) 355-8097
*Three Bays Lending specializes in home financing solutions and does not offer small personal loans, auto loans, payday loans, or any other non-mortgage/home-related financing. If you're seeking a personal loan or other types of financing, we recommend reaching out to institutions that specialize in those services.
At Three Bays Lending, we know how important getting the right mortgage is for your future. Even if you've already received a pre-approval or have a mortgage in the works with another lender, it's worth letting us take a second look. Why? Because we’ve helped 90% of clients who came to us after working with both small lenders and big banks get a better rate and better terms.
Whether you're just starting your home buying journey or deep in the process, there’s still time to make sure you're getting the best possible deal. A lower interest rate could mean saving thousands over the life of your loan. Our experienced team will work quickly to review your current mortgage offer, and often, we find ways to save you money or secure better loan conditions.
Why chose a Second Look with Three Bays Lending?
90% Success Rate
We’ve successfully helped 90% of our second look clients secure better mortgages.
Personalized Solutions
We learn about your needs and goals so we can find the right mortgage and terms for you.
Fast and Efficient Process
You’re already on the path to homeownership, and we respect your time.
Expertise Across Lenders
Whether you’re with a small lender or a big bank, we have the experience to beat their offer.
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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.
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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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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
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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.
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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.
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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.
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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.
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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.
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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.
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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.
Give us a call now to see how we can improve your mortgage. Even if you’re happy with your current lender, a second look could result in savings you didn’t even know were possible. You deserve the best terms available—let us help you get them.