We believe in the simple and straightforward concept that the customer experience is our number one priority. It’s more than a motto. It’s our commitment, and our history. Through the years of service to our community, we have come to appreciate how much people’s lives are impacted in important ways by what we do here at Bay Bank.

Today's Rates

Mortgage Loans - Conforming
30 Year Fixed Rate
 Rate  APR  Points
 3.500%  3.566%  0.250%
 3.250%  3.385%  1.125%
15 Year Fixed Rate
 Rate  APR  Points
 2.875%  2.955%  0.000%
 2.625%  2.830%  0.875%
Mortgage Loans - Jumbo
30 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.019%  0.000%
 3.750%  3.851%  1.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.034%  0.000%
 3.625%  3.806%  1.000%
Mortgage Loans - FHA
FHA 30 Year Fixed Rate
 Rate  APR  Points
 3.125%  4.164%  0.000%
 2.875%  3.987%  0.875%
FHA 15 Year Fixed Rate
 Rate  APR  Points
 2.875%  3.917%  0.000%
Mortgage Loans - VA
VA 30 Year Fixed Rate
 Rate  APR  Points
 3.125%  3.417%  0.000%
 2.875%  3.235%  0.875%

Personalized Quote

Mortgage Center

Let us help you find the right Mortgage product for you. To get started, you can take advantage of our quick and easy online application process, contact us directly at 410-561-7515 or email mortgages@baybankmd.com.

Apply Now

Free Pre-qualifications

We offer free pre-qualifications, so you can shop for your home knowing that you can afford the mortgage.

Confused about which program to choose?

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program and a Loan Officer is always just a call or e-mail away!

Home Equity Center

If you need a Home Equity Line of Credit, we can help. And getting started is easy. You can take advantage of our quick and simple online application process, email homeequity@baybankmd.com or contact your nearest branch.

  • Home Equity Line rates as low as 3.00 APR*
  • Up to 89% Loan-to-Value
  • Up to $2,000 in closing cost help**

Apply Now

Bay Bank Mortgage

Ph: 410-561-7515
Licenses