REAL ESTATE LOANS

Whether you’re looking to buy your first home, upgrade your existing home or build a new home, we are here to stand for your future as a homeowner. We are committed to helping you every step of the way on the path to owning your dream home.

Our mortgage lenders are available to assist you with all of your mortgage needs, including buying, building, refinancing or consolidating debts. We can get you started with a mortgage loan pre-approval.

Apply Online

Let a Bay Bank mortgage lender assist you with the loan that is right for you:

Conventional Mortgage

WHAT IS IT?

HUD Section 184 Indian Home Loan Guarantee Program

WHAT IS IT?

Lot Loan

WHAT IS IT?

Construction Loan

WHAT IS IT?

Investment Property Loan

WHAT IS IT?

Second Mortgage

WHAT IS IT?

Home Equity Line of Credit (HELOC)

WHAT IS IT?

Down Payment Plus Grant

WHAT IS IT?

Application checklists

  1. 2 Years of W-2 statements, 30 days of paystubs, 2 years of federal tax returns, Award/Benefit Letter for Social Security/Disability Income, and Child Support Documentation, if applicable.
  2. Bank statements with bank’s name, address, account numbers and balances for the past 2 months.
  3. If renting please include name, address and phone number for your landlord.
  4. 401(k) statements.
  5. Valid ID.
  6. Complete and signed Residential Mortgage Application.
  7. Letter of explanation of derogatory credit (if applicable).

  1. 2 Years of W-2 statements, 30 days of paystubs, 2 years of federal tax returns, Award/Benefit Letter for Social Security/Disability Income and Child Support Documentation, if applicable.
  2. Bank statements with bank’s name, address, account numbers and balances for the past 2 months.
  3. Copy of current mortgage statement.
  4. Copy of homeowner’s insurance policy.
  5. 401(k) statements.
  6. Valid ID.
  7. Complete and signed Residential Mortgage Application.
  8. Letter of explanation of derogatory credit (if applicable).

  1. 2 Years of W-2 statements, 30 days of paystubs, 2 years of federal tax returns, Award/Benefit Letter for Social Security/Disability Income and Child Support Documentation, if applicable.
  2. Bank statements with bank’s name, address, account numbers and balances for the past 2 months.
  3. If renting please include name, address and phone number for your landlord.
  4. 401(k) statements.
  5. Valid Tribal ID.
  6. Complete and signed Residential Mortgage Application.
  7. Letter of explanation of derogatory credit (if applicable).

  1. 2 Years of W-2 statements, 30 days of paystubs, 2 years of federal tax returns, Award/Benefit Letter for Social Security/Disability Income and Child Support Documentation, if applicable.
  2. Bank statements with bank’s name, address, account numbers and balances for the past 2 months.
  3. Copy of current mortgage statement.
  4. Copy of homeowner’s insurance policy.
  5. 401(k) statements.
  6. Valid Tribal ID
  7. Complete and signed Residential Mortgage Application.
  8. Letter of explanation of derogatory credit (if applicable).

Get Started

Call or email a mortgage lender to learn more and start the process of HELOC or obtaining a second mortgage.

Tanya Krueger

Vice President

NMLS #369391

Sunshine Bain

Mortgage Lender

NMLS #2148845

John Witschel

Mortgage Lender

NMLS #1966853