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.
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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