Please enable JavaScript on your browser to view this site correctly.

We Do Home Loans

Affordable options and rates for home loans. Get Preapproved!

Bay Federal Does Home Loans
Bay Federal's Home Loan Consultants

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.

Yesenia AlvarezMeet 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

Mark SarsfieldMeet Mark
Home Loan Consultant

Mark Sarsfield has been working with credit union mortgages since 2004, as a top producer in Silicon Valley. He joined the Bay Federal team in 2014, and has prior experience in the sales industry.

“My knowledge of mortgage markets, industry trends, and new loan programs, and my relationships with community resources, brings an added value to our members,” Mark states.

He graduated from California State University with a B.A. in Radio, Television and Film. Mark resides in Aptos with his wife and children.

831.477.8575 Direct
831.515.5311 Fax
NMLS ID #282646

David TorresMeet David
Home Loan Consultant

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 daughter.


831.477.8696 Direct
831.515.5311 Fax
NMLS ID #667695

Randi LeBlancMeet 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.

831.345.3136 Direct
831.515.5311 Fax
NMLS ID #255144

Meet KarenMeet Karen
Home Loan Consultant

Karen Shipley is a longtime Santa Cruz resident and an expert in the home loan industry. She has worked as a full-time mortgage lender since 2003, most recently at Chase and David Lyng. Her depth of experience in the real estate industry spans more than 25 years.

“Every member’s situation is unique, and I enjoy figuring out how to help each and every one!” Karen says.

Karen is an active member of the Scotts Valley Lions Club and frequently volunteers at her children’s schools. She holds a Bachelor of Science in Economics from Cal Poly-San Luis Obispo.

831.477.8483 Direct
831.515.5311 Fax
NMLS ID #236899


Melinda MargoMeet Melinda
Home Loan Consultant

Melinda Margo joined Bay Federal in 2017 and has fully embraced the Credit Union’s values of people helping people and providing exceptional member service.

“I work hard to maintain a level of expertise that I would only require of someone that I personally would choose to work with myself,” Melinda says.

Melinda has worked in the mortgage industry for the past 18 years, during which time she also raised her son on the Summit in Los Gatos. Most recently, she worked in Silicon Valley.

831.477.8579 Direct
831.515.5311 Fax
NMLS ID #450183


Jasiri DaireMeet Jasiri
Mortgage Sales Manager

Jasiri Daire joined Bay Federal as our Mortgage Sales Manager in 2015. He brings over fifteen years of experience in the credit union industry, with more than ten years as a Home Loans Sales Manager.

“I chose Bay Federal for the culture and the reputation we have in the local community,” Jasiri states.

Jasiri holds a B.S. degree in Marketing from California State University and an MBA in Finance from Grand Canyon University. Jasiri relocated his family from Los Angeles to join the outstanding team at Bay Federal Credit Union, and now resides in San Jose with his wife and children.

831.477.8555 Direct
831.515.5311 Fax
NMLS ID #410578

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.

mobile apps