Get the best mortgage loan for you

The right financing will maximize your cash flow and achieve your housing and financial goals. Our commitment is to help you evaluate your options and choose the loan program that's best for you.

We are a local company specializing in personal service so call us and let us help. If you are not comfortable with web applications, call one of us and we can meet with you or take information over the phone.   We are one of the first licensed lenders l with the State of Texas (TXMB# 31) 

Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Our professionals will find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you have us working for you from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.

Commercial Lending  is also one of our specialties for owner and investment commercial properties. If you need professional who understands the variety of programs and terms available up to $8 million, give us a call.  

Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you restructure your cash flow!

Tapping into your home equity is easier than ever before. You've been paying down your balance, and property values have gone up! Tap into that wealth and reward yourself. We'll help with the best program to fit your goals.

We provide you the personal attention you deserve.  We understand you're making a commitment in buying a new home, refinancing and mortgage or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anybody else!

Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.


Today's Rates:

Mtg Loan    Rate  APR
30-yr Fixed5.42%5.6%
15-yr Fixed4.87%5.13%
1-yr Adj4.93%6.12%
* national averages



Mortgage Calculator:
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Term: yrs
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Basic Pre-Approval

Get the Best Mortgage Rate!

Tell us a little about your current needs and we can use that
information to match you with just the right loan.
 
Tell us about your loan needs.
*Reason for loan (purch, refi, cash out):
*Value of property:
*Type of property:
*Amount you need to borrow:
Type of loan wanted (30 Yr, 15 Yr, ARM, Int. Only):

How can we get in touch with you?
*Name:
*Email:
Phone:
Address:
City:
*State:

Tell us about your credit history.
*Credit History (Excellent, Good, Average, Poor):

Note: Fields with an * are required

       Office Hours 9AM-5PM weekdays or by appt

                  TXMB#31  ----- Principal lendng across Texas since 1972


Bay Street Financial 675 Bering Drive Suite 395 HOUSTON, TX 77057-0001
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