Jumbo Home Loans

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

Dream Home - Bay Fed Jumbo Loans

David Torres, Home Loan Sales Manager

Meet David 
Home Loan Sales Manager

David Torres was born and raised in Santa Cruz, and joined Bay Federal Credit Union as a Home Loan Consultant in August, 2014. Prior to joining the Credit Union, David had served as a mortgage banker at Chase Bank and Stonegate Mortgage.

“My goal is to provide a great home loan experience for our members,” he says.

David holds a B.A. in Economics from San Jose State University and lives in Santa Cruz with his wife and children.

Start Application

831.477.8696 Direct
831.345.0841 Cell
831.515.5311 Fax
NMLS ID #667695

Camac Serna

Meet Camac
Home Loan Consultant

Camac Serna first joined Bay Federal in 1999 as a teller in the Santa Cruz branch before leaving to pursue a career in mortgages and other financial services. He strongly believes that Bay Federal is different than other financial institutions, and is happy to be back with the BayFed team.

“I am excited to provide the best service for our members and match them with the best solutions for their home lending needs. I’m also thrilled to be back with Bay Federal and support the Salinas community!”

Camac lives in Salinas with his wife.

Start Application

831.477.8555 Direct
831.515.5311 Fax
NMLS ID #846967

George Aranda

Meet Erin
Home Loan Consultant

Erin was born and raised in Santa Cruz, and she joined Bay Federal in 2013. As a Home Loan Consultant, Erin has exceptional attention to detail and is dedicated to helping our members.

“I love meeting with borrowers,” Erin says. “I financed my own home through Bay Federal, so I like to draw on my personal experience to deliver the best possible service to our members.”

In her free time, Erin likes to spend time with her daughter in the great outdoors.

Start Application

831.477.8543 Direct
831.515.5311 Fax
NMLS ID #1731825

Patrick Beaver, Home Loan Consultant

Meet Patrick 
Home Loan Consultant

Patrick Beaver has made lending his career for the better part of the past decade. He came to Bay Federal in 2009, starting as a teller, and worked his way up to a Home Loan Consultant.

“I make an effort to know the products we offer inside and out so I can best help our members,” Patrick says.

Patrick has a reputation as a good listener, and he is highly regarded as a resource among his peers. He frequently garners recognition from those he helps through the home buying process. Patrick is an Aptos High alum who enjoys surfing and building sand castles with his wife and kids.

Start Application

831.477.8576 Direct
831.515.5311 Fax
NMLS ID #907721

Kaila Wiseman, Home Equity Specialist

Meet Kaila
Home Equity Specialist

Kaila was born and raised in the Santa Cruz Mountains. She first joined Bay Federal in 2017 as a teller and has worked her way up to the role of Home Equity Specialist. As a Home Equity Specialist, she believes in knowing Bay Federal Credit Union's products inside and out to help educate our members and provide the best service possible. 

"My goal as Home Equity Specialist is to find a product that helps our members achieve their goals!" 

Kaila continually works to expand her financial knowledge. In her free time, she enjoys being outside enjoying nature.

Start Application

831.477.8483 Direct
831.515.5311 Fax
NMLS ID #1977134

Blanca Web

Meet Blanca
Home Loan Consultant

Born and raised in Salinas, Blanca Arteaga started with Bay Federal as a temporary employee in 2021, and soon became a permanent member of the Home Lending Team. She serves both English and Spanish-speaking members. Blanca is a first-generation college graduate, earning a B.S. in Economics from San Jose State University.

“I love working with Bay Fed, and I love how the Credit Union gives back to our local community. I am so excited to help my hometown neighbors with their home lending needs!” 

Blanca spends her free time with her friends and family, and enjoys checking out local wineries, going to concerts, and watching sunsets from the beach.

Start Application

831.477.8482 Direct
831.515.5311 Fax
NMLS ID #2216856

David Segura - WEB

Meet David
Home Loan Consultant

David Segura has been a part of the financial industry since 1991. He was previously the Vice President of Community Lending at Bank of America, where he assisted first-time homebuyers in Salinas and Watsonville. He has also worked at Monterey Credit Union, Wells Fargo, and other financial institutions.

“My background allows me to really understand the needs of our members so I can best help them,” David said. “I try to deliver advice in a very member-centric way. Every member has a different need, and I really pride myself on putting my knowledge to work for them.” David lives with his wife, daughter, and son. When he’s not in the office he runs local hobby businesses, catering gourmet pizza and Mexican food as time allows.

Start Application

831.477.8498 Direct
831.515.5311 Fax
NMLS ID #1883831

Kelly Faigley

Kelly Faigley
Home Loan Administrator

831.477.8578 Direct

Alex Valdez - WEB

Alex Valdez
Lending Production Support Specialist

831.477.8533 Direct

Get Pre-Approved  Returning Applicants

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.

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.


mobile apps