Our Process

BayCoast Mortgage, LLC is a full service lender providing industry best solutions in residential purchase, refinance, renovation, and construction loans.

BayCoast Mortgage is a wholly-owned subsidiary of BayCoast Bank, a community savings bank established in 1851. We offer a client-centric, boutique experience with the same products and pricing as large multi national banks. Our clients always come first. We welcome the opportunity to complement any scenario with a common sense approach, which is truly representative of our customer-centric mindset.

Say hello to your loan officer!

Every client receives a Loan Officer with a dedicated sales team including a Sales Manager, Sales Assistant and Processor who will identify and tailor a mortgage solution for your unique situation.


Complete your application over the phone or online – both options are convenient and simple! Your loan officer will complete your application over the phone, in person or electronically with a 24 hour turnaround.

Send us your documents

Secure email, overnight Fedex, hand delivery – BayCoast will cater to our clients needs and schedule. You will be  provided with a return overnight envelope or meet you in person to obtain the signed documents and supporting information and we will combine it with the appraisal and underwrite the request for approval.


Once you receive the final clear, we close your new mortgage. We arrange for in-home closings or offer convenient locations for you to meet with the attorney to sign all the documents.

What makes us different?

  • We are local and a wholly owned by the fourth largest community bank in the South Coast.
  • Flat organization which provides an efficient internal process resulting in expedited credit decisions.
  • Ability to provide each client a boutique experience with a customized holistic solution with a common sense approach.
  • We provide financial solutions offered by national banks and deliver a client centric experience to our neighbors in a community bank setting.
  • Leaders in Fintech with seven new ITM branches in the South Coast area and a cutting edge technology with a reliable platform that our clients can trust and deserve.