Real Estate Loans

At Bay Bank, we make dreams become a reality! If it's a home you are looking to purchase, let us assist you by offering a free Pre-Qualification. A mortgage loan Pre-Qualification can be the difference between you and someone else getting the home you always wanted. Our mortgage lenders will assist you with all your mortgage needs, whether you are looking to build, purchase, refinance or consolidate debts.

Bay Bank is a locally owned independent bank. We believe that customers are not just numbers. If you like banking with a person rather than a recording, then Bay Bank is for you! We strive to provide fast, friendly, and professional service. Contact us today to see what we can do for you!

Let our mortgage lenders assist you with the mortgage that is right for you!

Conventional Mortgages

Bay Bank offers 15, 20, or 30 year fixed-rate mortgage options for a purchase, refinance, or debt consolidation. The 15, 20, and 30 fixed-rate loans are fully amortized with a constant interest rate and monthly principal and interest payment. A 15 year fixed-rate mortgage may be right if you are looking for a lower interest rate and payoff your home faster! A 30 year fixed-rate loan may be right for you if you are looking for a lower payment and are planning to stay in your home for at least 5-7 years.

 Rates are subject to credit score and equity in your home.  Click here to see today's rates


Construction Loans

Bay Bank offers Construction Loans for the building process of your new home. Construction Loans are designed as a Line of Credit for the building process. Customers can choose to pay the interest monthly or at maturity of the loan. Once the building process is complete the construction loan would be refinanced into a Conventional Loan or a HUD Section 184 Loan for fixed-rate financing.

Lot Loans

Bay Bank offers Lot Loans/Land Loans to purchase vacant land, with the potential to build at a later date. The minimum down payment is 25%. Rates and terms are subject to credit score and down payment. Contact a mortgage lender today.


HUD Section 184 Indian Housing Loan Guarantee Program

Bay Bank is proud to offer the HUD Section 184 program. Click here for more information and program details. 


Bay Bank is a partner with WHEDA to offer loans for potential home buyers. Meet with a mortgage lender today to discuss the products that WHEDA has to offer. Bay Bank is not a servicer of WHEDA loans; therefore, underwriting and servicing is done directly with WHEDA.


Investment Property Loans

Bay Bank can offer Investment Property Loans for 1-4 units. If you are looking into an investment property contact a mortgage lender today to discuss rates and terms.

Second Mortgage

Bay Bank offers second mortgages to borrowers within our lending area. Contact a mortgage lender today to discuss rates and terms. Click here for information on Second Mortgages.


Home Equity Line of Credit

Bay Bank offers Home Equity Lines of Credit (HELOC) to current customers and potential customers. Click here for information on HELOC products.

Down Payment Plus Grant for qualified Borrowers

Bay Bank partners with the Wisconsin Partnership for Housing Development and Federal Home Loan Bank of Chicago to offer grants for down payment assistance to potential home buyers. The grant amounts vary each year. Potential home buyers must contribute a minimum of $1,000 towards the purchase of a home, and take a Home Buyer Education course with a recognized Counseling Agency.

Dan Tanya    

Apply Online:

Mortgage Application

Application Checklists:

Conventional Mortgage Loan Purchase

Conventional Mortgage Loan Refinance

Section 184 Loan Purchase

Section 184 Loan Refinance

Free Annual Credit Report

For more information visit:
or call 1-877-322-8228.

Daniel Fritz
Mortgage Lender
NMLS# 370040

Tanya Krueger
Assistant Vice President
NMLS# 369391


Bay Bank NMLS #440202


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