Your Home Loan Partners
Our professional consultants are here to walk you through every step of the home lending process.
Benefits of working with our professional team of consultants:
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A dedicated consultant will be assigned to your loan throughout the entirety of the process
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We'll provide consistent and timely communication, updating you every step of the way
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Our consultants are local, know the market and are invested in the community
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Bi-lingual consultants are available
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Our loan processing, underwriting and funding are all done in-house
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We have the ability to customize loan options to best fit your financial goals and priorities
Home Loans for California
If you would like a Bay Federal Home Loan Consult 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.
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. Appraisal fee will be charged prior to the appraisal. A credit in the same amount will be issued at the point at which the loan is funded. 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.