Bay Federal has compiled resources to cover everything you need to know about purchasing a home.
When you think Bay Federal Home Loans, think excellent, local member service and competitive rates.
Find Out More
Even if you are just starting your search, pre-apply now and discover how much you can qualify for.
Find out what your mortgage payment and monthly budget will be with our helpful calculators.
Bay Federal's Home Loan Consultants can help get you in the home of your dreams.
See Their Bios
Scroll through Bay Federal's full line of Home Loans solutions to see which best fits your situation.
We can help local public school employees.
Introductory offer with flexible options to lock in your rate!
Our new program has 3% down payment and no closing costs!*
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.