When you decide to buy a home or refinance a mortgage, it's a big step.  There are many factors to consider. Our goal is to find a loan that works for you today, next month, next year and beyond. We have the loan programs you need!   

Buying a house is a source of anxiety, frustration and confusion.  You can trust that Bay Valley Mortgage Group will give you honest answers to your questions. You can rely on us to find the best price and program that will work for you. 

If you are thinking of refinancing your current mortgage, rates are currently very low.  Take advantage of a shorter term loan and save tens of thousands of dollars.  You can also take cash out and probably keep your payment the same.  The rates are historically low so apply before they go up.

Don't forget your documentation.  You will need the basic documentation to get your loan approved so make sure you have your w2s, tax returns, pay stubs and bank statements handy.  All lenders are requiring them, so make sure you have them close at hand.

Bay Valley Mortgage Group will give you the personal attention you deserve and treat you with the respect. We understand the commitment with your mortgage and we will help you get the best rates.  Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.