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Frank Cwalina II

NMLS ID 168033


Customer Testimonials

We work very hard for our customers because nothing pleases us more than helping our clients achieve the dream of affordable home ownership. We want to add you to our list of very satisfied customers.

Read what others have said about working with us:

I'm a first time home buyer and beginning this whole process made me extremely nervous. Luckily, I was able to find Frank during the process. Frank was always readily available, made everything easy to understand and if I did have any questions he always got right back to me. I am very happy with my experience from start to end. Highly recommend, he was personable and professional.

- Crystal Ankenbrand
Stevensville, MD | February 23, 2020

I own a local title company and have worked with Frank for several years. He is an amazing loan officer who shows real dedication to his clients by providing quick loan approval and reasonable fees. He always finds the perfect loan program for everyone and continually stays in touch with the Borrowers throughout the entire process. Frank is committed to providing exceptional customer service

- Denise J Hering
Chester, MD | February 18, 2020

As a Realtor it is always a pleasure to work with Frank. He knows his stuff and is easy to get in touch with. We recently called him during our showing from a property to ask him how much their mortgage payment would be on that property at the top of their price range. Frank was able to give the Buyer right over the phone a true number. I could see the relief come over their face knowing they could buy the home and stay within their budget.

- Pam Childers
Chester, MD | February 20, 2020

This was the second home we’ve purchased and Frank did an amazing job! We got the best rates, service and experience. We closed in less than 45 days without delay and couldn’t be happier with Frank and how he managed everything. We highly recommend him! 

- Cassie Benjamin
Annapolis, MD | March 26, 2020

Frank made refinancing my home so easy…and I got a great rate!  He was very helpful when I had questions and promptly returned my calls.  Frank is a professional in every sense of the word.  

- Sherry Masucci
Chester, MD | April 07, 2020

This was our second time working with Frank with the purchase of our homes. He is always available to talk and very knowledgeable. We will continue to work with Frank in the future if we every have another need to buy another home or refinance! Thanks Frank.

- Erika Jordan
Denton, MD | August 26, 2020

100% Satisfaction Jim was an incredible asset during refinancing. My original finance company offered to match the rate; however I was so pleased with Jim's honesty and transparency I declined my original finance company's offer. When I buy again, Jim has my business. He brings more to the table in honesty, transparency, and trustworthiness than any anyone I have encountered. It was truly a pleasure.

- Felicia
Anniston, AL | May 11, 2020

I'm a first time home buyer and Frank helped me each step of the way! He was quick, attentive, and super helpful. I highly recommend him

- Jennifer Huffman
Stevensville, MD | August 23, 2020

This is our second time using Frank at Bayside Mortgage Services. He helped us get the original mortgage on our home. A year or so later, interest rates dropped. There are a ton of loan services making “great” offers on Re-Fis for Veterans and active duty folks. I had what I thought was a “great rate” from one provider. As I read over the details, it looked like I was getting taken for a ride. I called Frank and asked him what he could do for me. Fast Forward, Frank locked me into a great rate, dropped a lot of extra fees the other guys wanted to charge me, and got my monthly rates lowered. I recommend giving Frank Cwalina a call to see if he can help you too. Thank you, Frank. Keep up the great work.

- Brent
Huntingtown, MD | September 22, 2020

I recently worked with Frank Cwalina to get my house which I bought in 2019 refinanced after a few brokers that I know told me that getting a refi at the time would be difficult since the banks weren't lending. Not only was the process easy, but instead of signing another 30 year note, he was able to put me in a 29 year mortgage saving me a little bit more than I anticipated. The fee schedule was straightforward and simple; and, instead of gouging me with points or other fees that go mainly towards commissions to get the rate I was targeting, his first proposal was where I wanted to be and there was no need to haggle or pay extra.

- Nik Urban
Stevensville, MD | October 15, 2020

Working with Frank and Bayside Mortgage was the easiest loan process I have ever been through. Frank was extremely professional, always quick to respond, and found me a lower rate than I expected. i would highly recommend Frank to anyone.

- Jeremy D. Hicks
CHESTERTOWN, MD | November 04, 2020

Thanks for all the support and patience "even on weekends" in making this a reality for us. Jim is a 10 out of 10. Great service and remarkable response time in getting us this loan.

- Rick Collins
Churchville, MD | November 10, 2020

Frank is outstanding - an excellent loan officer. Frank's knowledge and promptness made my home buying experience stress free. A true professional that made respectful recommendations and explained everything thoroughly. I'd recommend him to family and friends.

- Gennifer Errigo
Stevensville, MD | December 11, 2020

One word says it all , "Excellent".. Jim got us our mortgage that other lenders were turning down . Helped us get our dream retirement home . Always kept us informed and always on top of things , even on weekends and his off time . Would highly recommend Jim for any of your mortgage needs . THANKS JIM !

- Tracy
Leesburg, AL | December 14, 2020

I have worked with Frank twice now...purchase and refi. He is a very thorough, fast, extremely competent, knowledgeable, and straight shooting broker. He got the job done twice with some constraints on my end, and with results/numbers I could not be happier with. Without hesitation recommend working with Frank! He has solid advice and recommendations, and makes buying and refinancing a stress free process. Fantastic and easy to work with!

- Casey Davis
Severna Park, MD | December 21, 2020

Frank was great to work with!  He is always very responsive and informative!,

- Deana Stout
Severna Park, MD | January 16, 2021

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