Jumbo Home Loans

Our Jumbo Loan rates have never been lower!* Learn more

Dream Home - Bay Fed Jumbo Loans

Home Loans and Home Equity Lines of Credit

Unpacking at new home

Start Here: Home Buying 101

Bay Federal has compiled resources to cover everything you need to know about purchasing a home.

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Home Buying 101

Why Bay Federal?

When you think Bay Federal Home Loans, think excellent, local member service and competitive rates.

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Get Pre-Approved

Even if you are just starting your search, pre-apply now and discover how much you can qualify for.

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Crunch the Numbers

Find out what your mortgage payment and monthly budget will be with our helpful calculators.

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Lighthouse Field and Cliffs

Meet the Team

Bay Federal's Home Loan Consultants can help get you in the home of your dreams.

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Jumbo Loan Home

Loans We Offer

Scroll through Bay Federal's full line of Home Loans solutions to see which best fits your situation.

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DIY Guy and his Dog


Introductory offer with flexible options to lock in your rate!

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Happy Home Owner Family

First-Time Home Buyers

Our new program has 3% down payment and no closing costs!*

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Free Appraisal

Get a Free Appraisal!

When you finance with us!

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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
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