Your Next Move Starts With a Home Loan From BayFirst

Whether you're relocating, renovating, or refinancing, our experienced lenders can help make your dream home a reality with a wide range of loan options.

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What's The Best Mortgage For Me?

Conventional Loan

Our most popular residential loan is a perfect fit for a wide range of buyers and properties.

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FHA Home Loans

Requiring a lower minimum down payment and lower credit scores, these are a favorite among first-time homebuyers.

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Jumbo Loans

Buy beyond the conventional limit—with flexible options tailored for higher-value properties.

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VA Loans

VA loans are an exclusive benefit for eligible veterans, active-duty service members, and their families.

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USDA Loans

Government-backed financing for homebuyers in eligible rural and suburban areas—USDA Loans make it possible.

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Connect with a Mortgage Specialist

We Believe in Neighbor-to-Neighbor Service

Our team of mortgage lenders are here to simplify the home loan process every step of the way. From your first question to final approval, we’ll work with you to understand your goals and deliver a solution designed for your life.
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The Application Process Is As Easy As 1,2,3

1. Apply Online

Take the first step toward home sweet home. Apply online or using our mobile app

2. Get Approved

See how much you’re approved for and move ahead with confidence

3. Close Your Loan

Follow our lead and get to that closing, fast!

First-Time Homebuyers

Your First Home Starts Here

If you're buying a home for the first time, BayFirst offers programs tailored to your journey. Get access to low down payment options, flexible credit requirements, and local experts who can walk you through every step of the mortgage process. Start here and move in with confidence.

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Home Purchase Calculator

Estimate the monthly payment on your next mortgage by utilizing our calculator.

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Refinance Calculator

Estimate the monthly payment on your refinanced mortgage by utilizing our calculator.

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Resource Center

Alternative Homeownership Paths

October 12, 2023

After larger down payments in bidding wars became the norm over the past few years, down payments are shifting—and shrinking, according to a report from Realtor.com.

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Spring Home Renovation Tips

March 9, 2023

Spring is known as a time to start fresh, which makes it one of the most popular times for home improvement projects. And, with high home prices and many owners on the sidelines waiting for a better time to buy their next home, this spring could be a great time to tap into your home’s equity to cover the renovation costs.

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Maximize Your Down Payment: Key Strategies

January 5, 2023

After a year of skyrocketing home prices and high interest rates, many potential homebuyers who spent years saving up for a down payment have put their dreams of owning a home on hold. While many remain on the sidelines waiting for conditions to improve, when it comes to getting the most out those savings, there may be no better time than the present to act.

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