Experience The American Bay Funding Difference

We are a direct mortgage lender that prioritizes speed and efficiency when processing your home loan. We help borrowers across multiple states achieve homeownership, while also ensuring a pleasant and satisfying experience from application through closing.

Your Best-Matched Mortgage

We offer borrowers a wide range of loan programs to pick from. Whether you are a first-time buyer, high net worth, self-employed, or property investor, you can trust us to find your best financing solution.

A+ Customer Service

We deliver only the best A+ service and expert guidance to forge life-long relationships with our clients. Our goal is to be your trusted mortgage lender from your first home purchase to your last, and every refinance in between.

Super-Fast Financing

We provide the fastest financing using the latest technology and tools. Our stress-free loan process comes with seamless communication and 100% transparency, so you are always kept in the loop on the status of your loan.

Loan Programs

At American Bay Funding, we specialize in all types of conventional and government loans, so we can find the program that best fits your situation. If you are a first-time homebuyer, veteran, property investor, self-employed, purchasing a luxury or a vacation home, or would like to refinance your current mortgage, we’ll match you with the mortgage that makes the most sense.

  • Conventional Loans
  • FHA Loans
  • VA Loans
  • USDA Loans
  • Non-QM Loans

How Is Your Mortgage Rate Determined?

A mortgage rate is the interest you pay on your loan and is included in your monthly mortgage payment. If you qualify for a lower mortgage rate, that means you’ll have lower monthly payments. Even a 1% difference in rates can save you a significant amount of money over the life of your loan.

The mortgage rate you’ll be offered on your home purchase or refinance is dependent on various factors, including the state of the economy, Federal Reserve activity and inflation, and world events. The personal factors that play into your mortgage rate are your credit score, loan amount, and down payment. If you are considering a refinance, the best time to do so is when there is a big gap between your current mortgage rate and the current market rates. This is when refinancing can save you a lot of money.

Contact us to find your best financing solution if you were previously denied a mortgage, didn’t qualify, or weren’t happy with the rate or terms you were offered before.

Our Mission

American Bay Funding is dedicated to helping borrowers achieve their dream of homeownership quickly and efficiently. We are a direct lender and demonstrate outstanding expertise and speed with each loan from start to finish and use a loan process that assures a hassle-free, pleasant experience for our clients.