Tony Marra, Tony Marra (Bay to Bay Lending, LLC)
NMLS 343112

501 S Dakota Ave, Suite 2

Tampa , FL 33606

Expert Mortgage Lending

Get to know Tony Marra


     We are in an evolving and ever-changing real estate and home finance market.   That is why it is important that you have a lender that is knowledgable of the changing guidelines.   Every lender has their own credit overlays - it is having the expertise on your side in determining the lender do's and the lender don'ts to assist getting your deal to closing table.

     Bay yo Bay is a full service mortgage lender with Conventional, Up to 95% LTV Conventional with No PMI, Jumbo, Up to 90% LTV Jumbo with No PMI, FHA, FHA Streamline Refinance, FHA 203K, VA, VA IRRRL, USDA, HUD Homes, Home Path, HomePath Renovation, HARP, DU Refi Plus,  and Private Money to 70%. We also have access to local county down payments assitance programs. 

    I pride myself in ensuring my clients understand the process from A-Z, and operate in 100% transparancy. 




Tony Marra's Blog Posts


Area Of Expertise

We are Licensed to Originate Loans to do business all across the State of Florida

Down to 580 Mid Score for FHA, Down to a 580 for VA, and 620 Conventional Financing, a 640 for USDA & HomePath and 680 for Jumbo Loans Up to 6% Seller Paid Closing Costs on FHA, VA, HomePath & USDA; Up to 3% on Conventional Down Payment Assistance Available - Must Qualify for Assistance Through the County Foreign Nationals & Hard Money to 70% REO, Short Sale and Foreclosure Purchase's Up to 100% Financing on VA & USDA Up to 97% Financing on HomePath with No Appraisal Required No Monthly Mortgage Insurance payments with HomePath & VA Fixed Rate, ARM and interest Only Products Available I can close your loan in 28 Days or Less, all programs No Lender Overlays on Primary, Second & Investment Properties

I offer adjustable and fixed rate mortgages allowing up to 100% financing for primary residence, purchase and rate/term transactions along with cash-out refinances to 90.00% LTV.

For more information call 813-549-8737 or 813-842-7999 or visit my web page at

Our mortgage product line is extensive dealing with primary, second homes, & investment properties.

I've helped borrowers qualify (when other mortgage companies said they would not) I've helped Realtors find new buyers & sellers through various marketing plans. I've helped Builders obtain creative financing for their buyers when their in-house mortgage company couldn't do the transaction.

Realtors: What is your current mortgage specialist doing to help you in the current environment? Call today to discuss the benefits of partnering with Bay To Bay Lending.

Honest & accurate estimates Direct accessibility after hours / weekends On-time closings HUD's delivered & reviewed with clients prior to closing Status updates for transactions in process (weekly or daily) Weekly market & rate updates & annual review for past clients


Specialties (4)
  • Appraisals
  • Commercial
  • Residential
  • Short Sales
Languages (1)
  • English