Home Loans
& HELOC

Our Home Loans options provide competitive rates, timely underwriting, and excellent member service.

What can we assist with?

Get a Free Appraisal When You Finance with Us*

  • Home Loan amounts up to $3,000,000
  • Low rates
  • Wide variety of flexible home loan options
  • ITIN lending available

Why Bay Federal?

We provide all the products and services you would expect from a financial institution but, unlike a bank, we’re owned by our members – when you apply for a home loan with Bay Federal, you are supporting our local community!

  • Local Personalized Service

    Local loan processing, underwriting, and funding, make Bay Federal the home lending partners of choice.

  • Communication

    We deliver timely communication between our loan department, the borrower, and Realtors. Our platform keeps all parties informed through the entire process.

Have someone contact you

If you would like a Bay Federal Home Loan Consultant to contact you, please complete and submit the following information. Please know we can only assist with home purchases or refinances in the state of California. 

Other Contact Methods

Notice of Error, Requests for Information, and Qualified Written Requests (as defined in RESPA) must be sent to:

Bay Federal Credit Union
Attention: Loan Servicing
3333 Clares Street
Capitola, CA 95010

Bay Federal Credit Union responds promptly to all qualified written requests. Please include the following information in all written requests.

Borrower Name(s)
Account Number
Property Address


Bay Federal Credit Union is registered with the Nationwide Mortgage Lending System (NMLS).
Bay Federal Credit Union ID #403635.

Bay Federal Credit Union's individual Home Loan Consultants are also registered through NMLS.


All loans are subject to approval of credit, income verification, assets, and property valuation. Bay Federal Credit Union membership required. For more information, visit any Bay Federal Credit Union branch or call a Bay Federal Home Loan Consultant at 831.479.6000 or toll-free at 888.4BAYFED, extension 8304. Bay Federal Credit Union is registered with the Nationwide Mortgage Lending System (NMLS). Bay Federal Credit Union ID #403635.

*Offer applicable to all 1st mortgage refinances and purchases with a minimum loan amount of $40,000 and a maximum of $3,000,000. One free appraisal per transaction. If mortgage guidelines require more than one appraisal, borrower must pay for second appraisal. Offer does not apply to reinspection costs, if required. Terms and conditions are subject to change without notice. All loans are subject to credit approval. Bay Federal Credit Union membership required at the time of closing. For more information, visit any Bay Federal Credit Union branch or call a Bay Federal Home Loan Consultant at 831.479.6000 or toll-free at 888.4BAYFED, extension 8304.

Attention: You are leaving the Bay Federal Credit Union website

You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.