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Bay Federal offers affordable home loan options for home purchases, refinances, and home equity lines
Real Estate Loans – 1st and 2nd Mortgages
We understand how owning a home is important to you and your family. Let Bay Federal help you:
- Purchase your dream house
- Get pre-approved before you shop
- Refinance your First or Second Mortgage
- Create a Home Equity Line of Credit to help you finance large projects or your child's college education
First Mortgages
- Down payments as little as 3%* on loan amounts up to $417,000.
- High balance loan amounts up to $625,500.
- Terms from 10 years to 30 years.
- Owner occupied, non-owner occupied, and second homes.
- Single family homes, condominiums, 2-4 units, and manufactured homes.
Second Mortgages
- Up to 80% loan-to-value financing available.
- Loan amounts up to $250,000.
- Owner occupied and second homes.
- Single family homes, condominiums, 2 units, and manufactured homes.**
Home Equity Lines of Credit
- Low monthly payments and no balloon payment.
- Up to 80% loan-to-value financing.
- Line limits up to $250,000.
- Owner occupied and second homes.
- Single family homes, condominiums, 2 units, manufactured homes.**
Mobile and Manufactured Home Loans
Affordable housing can be a reality when Bay Federal helps with the purchase or refinance of your mobile or manufactured home.
Bay Federal is an approved Mortgage Credit Certificate (MCC) lender in Santa Cruz County.
Already have an MCC? Bay Federal can help you with your Reissued MCC (RMCC) as well.
Call 831.479.6000 or toll-free, 888.4BAYFED, option 3.
Loan Officer Information
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Angie Wiedemann
Mortgage Lending Officer
831.477.8567 Direct
831.479.6027 Fax
awiedemann@bayfed.com
NMLS ID#756622 |
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Beth August
Mortgage Lending Officer
831.477.8575 Direct
831.479.6027 Fax
baugust@bayfed.com
NMLS ID#756619 |
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James Giuffre
Mortgage Lending Officer
831.477.8527 Direct
831.479.6027 Fax
jgiuffre@bayfed.com
NMLS ID#1030918 |
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Brandon Pasion
Associate Mortgage Lending Officer
831.477.8677 Direct
831.479.6027 Fax
bpasion@bayfed.com
NMLS ID#907722 |
Apply in person at any of our 7 convenient locations, or Call us at 831.479.6000 or
Toll Free 888.4BAYFED.
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Contact Bay Federal: 831.479.6000
All loans are subject to approval of credit, income verification, and property valuation. Bay Federal Credit Union membership required. For more information, visit any Bay Federal Credit Union branch or call a Bay Federal Mortgage Loan Specialist at 831.479.6000 or toll-free at 888.4BAYFED, extension 304.
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 loan officers are also registered through NMLS.
* 97% financing is available to qualified first-time home buyers with a credit score of 700 or greater. Loan amounts up to $417,000. Requires mortgage insurance approval. Property must meet specific occupancy and unit requirements.
** Unit must be built after 6/15/1976 and be real property.
Bay Federal Credit Union is registered with the Nationwide Mortgage Lending System (NMLS).
Bay Federal Credit Union ID #403635.
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