- Conventional Loan: Three Bays Lending offers conventional loans, which are traditional mortgage loans that conform to guidelines set by Fannie Mae and Freddie Mac.

- FHA Loan: They provide FHA loans, insured by the Federal Housing Administration, allowing borrowers with lower credit scores or smaller down payments to qualify for a loan.

- VA Loan: Three Bays Lending offers VA loans, which are exclusively available to eligible veterans, active-duty service members, and surviving spouses, providing flexible terms and no down payment options.

- Jumbo Loan: They provide jumbo loans for larger loan amounts that exceed the limits set by Fannie Mae and Freddie Mac, enabling borrowers to finance higher-priced properties.

- USDA Loan: Three Bays Lending offers USDA loans, backed by the United States Department of Agriculture, for rural and suburban homebuyers who meet certain income and location requirements.

- Refinance Options: They assist with refinancing existing mortgages, allowing homeowners to potentially lower their interest rates or change the terms of their loan.

- Fixed-Rate Mortgage: Three Bays Lending offers fixed-rate mortgages, where the interest rate remains consistent throughout the life of the loan, providing stability and predictable monthly payments.

- Adjustable-Rate Mortgage (ARM): They provide adjustable-rate mortgages with interest rates that may change periodically after an initial fixed-rate period, offering flexibility for certain borrowers.

- Home Equity Loans: They offer home equity loans, allowing homeowners to borrow against the equity they have built in their property for various expenses or investments.