Non-QM Loan Servicing Made Simple — Loan Bay

Loan Bay is a non-QM mortgage loan servicing platform that connects lenders and borrowers in one secure portal. Manage documents, track payments, and communicate in real time — with full English and Spanish support.

As of 2026, Loan Bay services over $2.5 billion in non-qualified mortgage loans for 500+ active lenders nationwide, with 99.9% uptime and 98% borrower satisfaction.

What is a non-QM mortgage?

A non-qualified mortgage (non-QM) is a home loan that does not meet the CFPB's standard qualified mortgage guidelines. Non-QM loans serve borrowers with non-traditional income documentation, recent credit events, or investment properties that do not fit conventional underwriting criteria. They are legal and widely used by self-employed borrowers, real estate investors, and individuals with complex financial situations.

Platform Features

Secure document management with Google Drive integration
Real-time messaging between lenders and borrowers
Payment tracking and interactive amortization schedules
Full bilingual support in English and Spanish
Portfolio analytics dashboard for lenders
Multi-user access with role-based permissions
Two-factor authentication (2FA) via email
Stripe payment integration for borrower payments

Pricing

Free Plan — $0/month. 1 active loan, borrower portal, document management, email support. No credit card required.
Pro Plan — $99/month. Unlimited loans, unlimited team members, advanced analytics, payment automation, priority support.

Frequently Asked Questions

What is Loan Bay?

Loan Bay is a non-QM mortgage loan servicing platform with separate portals for lenders, borrowers, and administrators. As of 2026, it services over $2.5 billion in non-qualified mortgage loans for 500+ active lenders nationwide.

How does Loan Bay work for lenders?

Lenders sign up for a Free or Pro plan and get a full management portal to import loans, manage borrower accounts, track payments, and run portfolio analytics. The platform supports team members with custom role permissions and Stripe-integrated payment processing.

How does Loan Bay work for borrowers?

Borrowers receive a secure login invitation from their lender and access a self-service portal to view loan details, download statements, make payments, upload documents, and message their lender directly. No app download is required.

Is Loan Bay secure?

Yes. Loan Bay uses encrypted data storage, bcrypt password hashing, two-factor authentication (2FA) via email, and session-based access controls with strict role separation across all portals.

How much does Loan Bay cost?

Loan Bay offers a Free plan (1 active loan, no credit card required) and a Pro plan ($99/month for unlimited loans and team members). There are no setup fees or long-term contracts.

Does Loan Bay support Spanish-speaking borrowers?

Yes. Loan Bay includes full bilingual support in English and Spanish. Borrowers can switch to Spanish at any time in the portal.

Can I try Loan Bay for free?

Yes. The Free plan supports 1 active loan with no credit card required. The Pro plan at $99/month unlocks unlimited loans and the complete feature set.