How Home Bay works
Home Bay Financial is staffed by several expert agents who personally handle your loan. You can always contact our support line or reach your agent directly.
Home Bay uses rate-analyzing software to lock in the lowest rate for you. We compare rates from several banks in your area and use custom information about your history and property to find what works best for you. We are committed to providing customized options, and will always work with you to find the best rates and terms.
Initial rate quotes with Home Bay will not affect your credit score because we do a soft credit pull to start. We’ll do a hard credit pull only after you speak to an agent and decide to submit your application. At that point, your credit score will only be minimally impacted. This is standard practice when you get a loan, and unfortunately there is no way around it.
To get your free rate quote, all you need to do is answer a few questions using our form. You can find a link to get started at the bottom of this page, or call our help line.
We typically provide loans to customers who have a 620 credit score or higher. If your credit score is slightly below 620 we might still have options for you, so you can still complete our digital application or speak to one of our agents.