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!
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Local Personalized Service
Local loan processing, underwriting, and funding, make Bay Federal the home lending partners of choice.
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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
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Do you have a preferred team member to work with? Meet the Team.
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Visit in person. Find a branch near you.
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Call us at 831.479.6000 x8304 (Toll free at 888.4.BAYFED x8304) to get a representative to speak with.
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.