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Your Partner in Whole Loan Acquisitions

About Us

Onslow Bay Financial is a leading provider of financing solutions for residential whole loans in the United States. With direct access to significant permanent capital, we offer competitive rates and efficient processing times to our valued originator partners.

Our Mission

Our mission is to empower originators to strengthen their businesses by providing reliable and innovative financing options for their clients. We strive to be a trusted partner by offering competitive pricing, unparalleled transparency, and exceptional customer service.

Who We Are

Onslow Bay is a subsidiary of Annaly Capital Management, Inc., the largest mortgage REIT in the world. This affiliation provides us with unparalleled financial stability and access to capital. Our team of experienced professionals has a proven track record in the mortgage industry and is dedicated to delivering exceptional results for our partners.

What We Offer

Onslow Bay offers a comprehensive range of financing options to meet diverse borrower needs. We provide competitive pricing and flexible loan criteria, allowing originators to offer competitive loan options to their clients.

Our Programs

Our diverse portfolio includes programs for:

  • Prime and Non-Prime Borrowers: Options with flexible credit requirements and competitive rates.
  • Foreign National Borrowers: Specialized programs designed to meet the unique needs of foreign investors.
  • Investment Properties: Financing options for purchasing investment properties with competitive LTVs and DTI's.
  • Second Homes: Get financing for your vacation home with tailored options and flexible terms.
  • Jumbo Loans: Secure financing for larger loan amounts with competitive rates and streamlined processing.

Dedicated Support

Our team of experts is committed to providing personalized support throughout the entire process, from application to closing. We offer comprehensive documentation and guidance to ensure a seamless and efficient experience for our partners.

Contact Us

For more information about Onslow Bay Financial and our comprehensive financing solutions, please contact us directly. We look forward to discussing your individual needs and providing tailored solutions to meet your business goals.

Reviews
Negative: Reviewers have expressed frustration and outrage over Onslow Bay's poor customer service, invasion of privacy, and unfair business practices.

Poor Customer Service and Business Practices

Reviews are overwhelmingly negative, with customers complaining about Onslow Bay's customer service, business practices, and handling of personal information.

Difficulty in Contacting the Company

Multiple reviewers have expressed frustration in trying to get in touch with Onslow Bay, with phone calls going to voicemail and emails being ignored. This lack of communication has made it difficult for customers to conduct business with the company.

Privacy Concerns

Onslow Bay has been accused of selling customers' personal information to advertisers without their consent. Reviewers have expressed outrage over this practice, citing that it is a breach of trust and an invasion of privacy.

Unfair Business Practices

One reviewer had their request to remove private mortgage insurance (PMI) denied, despite making significant improvements to their property and increasing its value. This has led to accusations of Onslow Bay being predatory and taking advantage of middle-class Americans.

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