• Welcome To Our Web Site...

  • We Will Help You Qualify For Your First Home Loan...

  • Refinance Into a Low Fixed Rate...

  • Safely Draw Equity From Your Home With a Reverse Mortgage...

  • Whatever your funding needs. We can help. Get Started.

    Apply Online Today...

Welcome to Eagle Bay Mortgage!

Eagle Bay Mortgage is an independent, locally owned business serving Florida and Virginia customers.  At Eagle Bay Mortgage, L.L.C., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of lenders offering low rates for your purchase or refinance.

Why don't we post interest rates on our website?  Simple, there are many variables that can affect the interest rate and each borrower situation is unique.  Rather than follow what some other lenders do and publish rates that come with a lot of fine print that excludes most borrowers from qualifying, we ask that you call us or fill out our rate quote request form (no phone number required) to get pricing you will actually qualify for.

We work with many investors which allows us to get you the best rates on all types of loan programs including: Fixed rate mortgages from 8 to 30 years, 5, 7 and 10 year ARM loans, Conventional, Jumbo, Non-Prime, VA and FHA. Whatever your situation calls for, we'll find a product that fits your needs!

If you are purchasing a home, we are with you every step of the way. You will save a lot of time if you determine what mortgage amount you can qualify for before you start looking at homes. As a rule, you don't want to spend more than 29 percent of your gross monthly income on housing (that's before taxes are taken out of your paycheck). You'll need to consider current interest rates. The lower the rate, the higher the home price you'll be able to qualify for. Use our calculator to give you an idea of how much you can afford.

Click on our blog tab above.  Weekly market previews are posted every Monday.

Call today for your no obligation rate quote!

As a mortgage broker representing many lenders, we have access to the best pricing and product options available.

We offer:

  • Flexible loan terms from 8-30 years.
  • Florida Hometown Heroes loan products.
  • Bank statement loans for self-employed borrowers.
  • FHA & VA Loans. Streamline refinances (often with no appraisal).
  • Conventional loans with low down payment and NO BORROWER PAID MORTGAGE INSURANCE.
  • 80/10 combo loans with NO MORTGAGE INSURANCE.
  • Loans with lender paid closing costs.
  • Non-Prime loans for borrowers with recent bankruptcy and/or foreclosure.
  • Cash out refinance loans.
  • HELOC 2nd Mortgages.
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Latest News

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I was worried that I wouldn't be able to qualify for a loan. I spoke with John and the next day he not only qualified me but had me locked into a great rate.

Larry Benson Viera, FL

"Another lender strung us along for 4 months.  I called John at Eagle Bay Mortgage.  He was able to get our loan closed in 3 weeks."

Mark Tomeau
Orlando, FL