Jumbo Home Loans

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Dream Home - Bay Fed Jumbo Loans

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.


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.

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.”

Erin is currently pursuing a bachelor’s degree in Business Administration from San Jose State University, and she enjoys spending time with her daughter in the great outdoors.

831.477.8543 Direct
831.515.5311 Fax
NMLS ID #1731825

George Aranda

Meet George
Home Loan Consultant

George Aranda joined our Home Loans team after years of providing exceptional member service as a Financial Service Representative. George enjoys collaborating with borrowers, processors, and real estate agents to create a seamless loan coordination process.

“I am excited about helping members achieve their dreams of home ownership,” George says about coming to work each day.

George began working in finance in 2006 and left a national bank to join Bay Federal in 2013. He truly cares about our community.

George served seven years on the Board of Directors for South Coast Children’s Services and continues to actively support youth. He attended College of San Mateo, and he is a motorcycle and golf enthusiast.

831.477.8690 Direct
831.515.5311 Fax
NMLS ID #747954

Randi LeBlanc

Meet Randi 
Home Loan Consultant

Randi LeBlanc has extensive knowledge of the local real estate industry and enjoys providing exceptional service to our members. Prior to joining Bay Federal, she accumulated 19 years of experience at mortgage companies, including Aptos Mortgage, Santa Cruz Financial, and Chase Bank.

“I love meeting new people and helping them get into the homes of their dreams. My favorite part of this job is the customer service aspect,” she said.

Originally from the East Coast, Randi has spent her adult life in Santa Cruz County, where she and her husband of 25 years have raised their son.

831.477.8415 Direct
831.515.9199 Cell
831.515.5311 Fax
NMLS ID #255144

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 daughter, Kaylee.

831.477.8576 Direct
831.515.5311 Fax
NMLS ID #907721

Yesenia Alvarez photo for website

Meet Yesenia 
Home Loan Consultant

Yesenia Alvarez is our bilingual Home Loan Consultant, and has spent her entire life in Santa Cruz County. Yesenia began her career as a Loan Coordinator, Junior Loan Officer, and Loan Officer prior to joining the team at Bay Federal in 2015.

Her goal of “helping our members understand their mortgages and save money” is evidenced in her personalized service.

Yesenia holds a B.S. in Business Administration from San Jose State University and resides in Watsonville with her husband and two children.

831.477.8527 Direct
831.515.5311 Fax
NMLS ID #633063

David Torres photo for website

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.

831.477.8696 Direct
831.345.0841 Cell
831.515.5311 Fax
NMLS ID #667695

Get Pre-Approved Today’s Rates 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.

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