Bayside Mortgage Services, Inc.

bayside mortgage services inc. has been assisting marylanders obtain mortgages to purchase or refinance their homes since 2003. the owner frank r cwalina ii has been originating mortgages since 1998. as a mortgage broker he has access to multiple wholesale lenders which allows him to offer his clients the lowest rate at the lowest cost. the greatest advantage of being a broker is we get lower rates (wholesale rates) from national lenders. lower than the national lenders retail side of the business. that’s because the lender has much less overhead expenses because they don’t pay the loan officers to sell their products. since frank r cwalina ii is the loan officer and owner of the company he does not have to split the commission with anyone. which in turn allows him to offer lower rates and overall cost to his clients. that gives him a competitive advantage over his competition. as a broker he also has access to more loan programs then he would have if he was a lender. 99% of his busine