Why Choose Great Bay Capital ???

We're a "Common Sense" lender making "Customized" real estate loans"

While our customers choose to finance with Great Bay for a variety of reasons, first and foremost is our exceptional customer service.

When you contact us, you can expect to experience superior customer service starting with a free professional consultation, then move quickly through our free loan underwriting process done right here in Baltimore. With no tedious Loan Committee to deal with, we will give you a fast response to your loan request, and it won't cost anything to find out what Great Bay can do for you. Once approved, we can issue a loan commitment on the spot, or give you a no cost Prequalification Letter to help you shop for a contract of sale.

There's no "cookie cutter" approach to lending here. We work closely with each of our customers to understand their individual needs and to custom design the best loan for each of them. We're accustomed to making "scratch & dent" loans and loans "with a story" which are best described as good loans that fall just outside of bank lending guidelines or secondary market standards. Because we are a locally-owned direct portfolio lender, rather than a broker, we make fast decisions and can close quickly with our own funds. We will structure "creative financing" to get good deals done…..any property type…..in any condition.

All of our loans meet the following criteria:

• 1st trust on real property in and around Maryland
• Up to $500K up to 75% LTV
• Terms from 30 days to 30 years
• No prepay penalties