About Us

BEING UNIQUE IS A GOOD THING
With combined lending experience of more than 32 years…Bay to Bay Lending has become a leader in the lending industry. We are setting a new standard, which is evidenced by becoming one of the fastest growing lenders in state of Florida. This means more financing options and a better borrower experience for clients just like you.
In a world where profits are a top priority to a company… we take a different approach, that approach is YOU. Everyone has different circumstances and one size does not fit all. We will take the time to listen to your needs and design a financing option that is just right for you saving you time, energy and money.
Thank you for giving Bay to Bay Lending the opportunity to serve you and we look forward to exceeding your expectations & working with you.

Bay to Bay Lending IconBay to Bay Lending

326 South Hyde Park Avenue, Tampa

4.5 28 reviews

  • Avatar Scott Nordstrom ★★★★★ a week ago
    Working with Sergio was amazing! He was eager to help from just starting the process and getting a pre approval all the way through the day we closed on our house. I would highly recommend Sergio to anyone who needs a loan. He blew my expectations … More out of the water and truly went above and beyond!
  • Avatar Romano Muniz ★★★★★ 2 months ago
    When I first started looking for financing options, I was overwhelmed by the choices and uncertain about who I could actually trust with something as important as my investments. After working with DJ Rondeau and his team (Jessica is a … More rockstar) at Bay to Bay Lending across multiple closings, I can honestly say I've found a lending partner for life.
    What sets DJ apart isn't just his expertise (which is considerable) - it's his unwavering commitment to finding solutions when others would have given up. I've brought him completely different investment types, from standard residential properties to more complex commercial opportunities, and each time he's navigated the process with remarkable skill.
    What truly impressed me were the numerous "curve balls" that inevitably came our way - unexpected appraisal issues, last-minute documentation challenges, and tight deadlines that seemed impossible to meet. Through every obstacle, DJ maintained his calm professionalism while working tirelessly behind the scenes to make things happen.
    I remember one particularly stressful closing where I was convinced we would lose the deal. DJ called me personally at 8:30 PM (over the weekend) to walk through the options he'd developed, reassuring me that he wouldn't stop until we found a path forward. Sure enough, we closed successfully.
    If you're hesitating about who to trust with your financing needs, I understand that uncertainty completely. The lending world can be confusing and intimidating. What I can tell you from my experience is that with DJ, you're not just getting a lender – you're getting a strategic partner who genuinely cares about your success and will go above and beyond to achieve it.
    Whether you're a first-time homebuyer or an experienced investor, DJ and his team at Bay to Bay have the expertise, creativity, and determination to make your goals a reality. I couldn't recommend them more highly.
  • Avatar Troy Roth ★★★★★ 2 months ago
    DJ was amazing, was extremely timely, worked hard to get us the best loan and terms for us and communicated with my realtor as well. Most impressive was the amount of time he would spend to answer all our questions and ensure we understood … More everything going on with our loan. Available immediately every time. Highly recommend!
  • Avatar Francisco Diaz ★★★★★ 2 months ago
    The mortgage process is no walk in the park—it’s more like going to war. But if I had to go to war, I’d take DJ with me. As an entrepreneur, I’ve done all kinds of transactions, and I have to say, even when everything came against us, DJ … More and his team fought hard for the win and got the job done. Hands down one of the most dedicated and hardworking teams I’ve ever worked with. Highly recommend!

“Bay to Bay Lending has some of Tampa’s finest loan officers. Feel free to call Bay to Bay for all your lending needs!”

– Steve M.

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Peace of Mind

Having a HELOC gives you peace of mind and security for all of life’s unexpected events.

Retirement

Access Cash without selling your home. If your retirement income isn’t enough to cover your expenses, you can use a HELOC to supplement it. This can be especially helpful if you have unexpected expenses or to cover the cost of long-term care.

Fund Your Business

The commercial and business credit market is tightening. Our HELOC can be used to fund your business for payroll, expansion, and capital improvements, and more.

Pay Education Expenses

With home equity at an all-time high our HELOC options could be a great lower rate alternative to costly student loans.

Home Improvement

Nothing adds value to a home more than upgrades, additions, and improvements. Rest assured with a fixed amortizing monthly payment in terms of 5, 10, 15, 20, 25 and 30 year terms.

Payoff High Interest Debt

Re-Ignite your cashflow and free yourself from high interest installment and revolving debt into one lower amortizing monthly payment.

Payoff High Interest Debt

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