We Do Home Loans

Affordable options and rates for home loans. Get Preapproved!

Bay Federal Credit Union Does Home Loans

Get a FREE Appraisal

when you finance your home with us!*


Bay Federal offers local home loans and friendly service.

Our knowledgeable Home Loan Consultants will walk you through the process and keep you up-to-date every step of the way!

Our mortgages are designed with you in mind:

  • Borrow up to $1.5M
  • Finance owner-occupied or investment properties
  • Fixed or adjustable rates are available.

This FREE appraisal offer is good for loans funded through May 31, 2018. 

“I've been a renter and have lived and worked in Santa Cruz County for 25 years. … home ownership always felt just outside my reach. Bay Federal helped make home ownership for me and my husband a reality, and we are incredibly grateful.” –- Adam from Live Oak

Call us, visit a branch, or apply now!

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.

*Offer applicable to refinancing or home purchase transactions in the state of California. Eligible Bay Federal Home Loans include 1 - 4 family, owner occupied, second home, and investment properties up to a maximum loan amount of $1,500,000. Minimum loan amount is $250,000. One free appraisal per transaction. Loan application must be dated after January 1, 2018 and funded no later than May 31, 2018. Offer not available for refinancing of an existing Bay Federal Home Loan. 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 304.
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