Frank Cwalina II

NMLS # 168038


Frank Cwalina II President


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:

Highly recommend!!

Frank was exceptional, and very helpful for me as a first time home buyer! He was very communicative and completed our loan well ahead of schedule. He is the lender our whole family has used when purchasing a home!

C. C.

Kent Island, MD

Frank made applying for and solidifying my loan easy and seamless. From our first conversation to the final, Frank was available, knowledgeable, and on top of every step. Not a single hiccup was encountered and Frank came through with an even better rate than expected. If your searching for a great loan officer, use Frank. You won't be disappointed!

Shannon A

Stevensville, MD

Frank was an absolute dream of a loan officer! He was so patient and worked really hard to get exactly what we needed for our first home and growing family. He made it an awesome experience! On top of everything, communicated very well, and answered all our questions. Highly recommend!

Jessica Beckmann

Grasonville, MD

It was a pleasure to work with Frank. He helped us every step of the way and made the whole experience stress free. He immediately responded to every question or concern we had and secured us a better interest rate then we expected. Exceptional loan officer! We would recommend him 100%

Bobby and Debbie M

Annapolis, MD

I was recommended Mr. Frank Cwalina by a fellow veteran and first responder from work when I was down and explaining that I was a victim of a predatory loan back in 2006 and on top of that the market was horrible during these times. Within 6 months of buying my home its value decreased and I was upside down 14 years. Over the years I tried refinancing, loan modifications, and even considered walking away. Finally in 2021 I thought I could break even and sell. I hired a jack-leg real estate agent who failed to sell my house and failed to find me a house and had my house on the market for 3 months losing money. I was so ready to just give up and move into an apartment. On a last chance for hope, I reached out to Frank and he worked hard to get me a refinanced loan and gave me hope. Even though I didn't get a new home, Frank got me a new loan at 2.6 30 fixed and shaved $1000 a month off my monthly payments! During the process he always was clear what I needed to get to him and made himself always available during the process. Frank gave me hope again and I highly recommend him and he looks out for veterans and first responders!!!! I will forever be grateful!!!!

Maurice R.

Laurel, MD

Always a pleasure working with Frank, he has helped me with numerous transactions. You will not find a better person to work on your behalf. Highly recommend.

Robert Bayliss

trappe, MD

Frank was instrumental in helping our neighbor, and then our daughter buy a house. We went to Frank for a lower interest rate and was able to secure one saving us thousands of dollars. Everything was done through esign and Frank was very helpful especially when we got stuck and didn't know what to do next. Even on weekends Frank would stay in contact with us. Definitely reccommend Frank for mortgage services.

Kathleen Poet

Ridgely, MD

I have worked with Frank many times over the years. He always gets the best rates, very informative, and quick to respond. I highly recommend Frank for your mortgage needs!

Steve Hess


Frank is an amazing loan officer who really knows his trade, we been working with him for over two years now and he was always able to get us the lowest rates. He is knowledgeable and very punctual. We will definitely be using his services in the future.


Arnold , MD

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

Deana Stout

Severna Park, MD

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

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

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


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

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.


Huntingtown, MD

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

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

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

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

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

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

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


Feedback received

We've received your submission. Thank you for your feedback.