Hello and welcome to BayCoast Mortgage!
 
BayCoast Mortgage is a wholly owned subsidiary of Baycoast Bank, a 150 year old mutual savings bank. The goal at BayCoast Mortgage is to provide our clients with the lowest rate with the lowest cost. We can prove that paying points and closing cost seldom make sense and have developed a proprietary system designed to streamline the approval process. BayCoast Mortgage truly specializes in making it easy for you to obtain your new loan. We are confident that you will find working with us to be the best decision you could make when it comes to your mortgage. We possess the capabilities of both a mortgage bank and a savings bank, truly a one stop shop for all of your mortgage needs.
                                                          

OUR PROCESS
 
Say hello to your loan officer!
Every client gets a loan officer assigned to their file. Your loan officer will provide you with all the information you need to make the right decision. BayCoast Mortgage has a myriad of mortgage programs but only one of them is right for you. Our experienced loan officers will explain the differences and tailor a solution that works for your unique situation.
 
Application
Complete your application over the phone or online - both options are convenient and simple! Once an application is completed, you will receive an esign request via email - or by overnight mail upon request.
 
Send us your documents
You to send us the signed documents and your supporting information electronically. We take your completed application, combine it with the appraisal (of which we provide you a copy) and underwrite the request for approval.
 
Closing
Once you're cleared for closing, we arrange for in the home closings or offer convenient locations for you to meet with the attorney to sign all the documents. Coast to closing - call today for a pre-approval!