Mortgage Programs

At Bay Mortgage we work with numerous lender investors and are, therefore, able to offer our clients many different loan programs from which to choose.  Our experienced and professional Loan Advisors will work with you to understand your financial goals and objectives and help you sort through the many different financing options. Among our most popular loan programs are:

• 10, 15, 20, and 30 year fixed rate mortgage loans
• 1 year adjustable rate loans
• 3/1, 5/1, and 7/1 adjustable rate loans
• 3/1, 5/1, and 7/1 interest only adjustable rate loans
• Low down payment loan options- Flex 97%
• No down payment loan options - Flex 100%
• Loans for 1st time home buyers- My Community Mortgage Loans
• Stated Income Loans
• Jumbo loans up to $1 million +
• No private mortgage insurance loans
• FHA Loans
• Loans for Veterans - VA Loan programs
• 2nd home loan programs