Jumbo Home Loans

Competitive rates and flexible options on loans up to $3 Million!* Learn more

Dream Home - Bay Fed Jumbo Loans

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Home Loans for Every Stage of Your Life

We understand that buying a house can be a daunting process, even if you have done it before. There are many different types of loans available to you, and we are here to help you find the right one for your situation.

The Right Loan at the Right Time

  • First-Time Homebuyers

  • Time to Upgrade

  • Time to Downsize

  • Ready to Refinance?

  • Second Mortgages and Home Equity Lines of Credit (HELOCs)


Ready to take the next step or find out your options? Explore our Home Loans Center, fill out the form below to talk to a friendly and knowledgeable Home Loan Consultant, or get started by applying today!

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.


*Manufactured homes must be built after 6/15/1976 and be real property.

No closing costs include lender fees, appraisal fees, title fees, and escrow fees. First Time Homebuyer Program available to those that have not owned a property in the last three years. Offer valid on owner-occupied single-family residences for those with a credit score of 680+. Maximum loan amounts up to $1,089,300 in Santa Cruz and San Benito Counties, and $915,400 in Monterey County. Mortgage insurance required for loan amounts greater than 80% loan to value. Offer applicable on purchase transactions in the State of California. Offer not available on refinances. Other restrictions may apply. Terms and conditions are subject to change without notice. All loans are subject to approval of credit, income verification, and property valuation. 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. Bay Federal Credit Union is registered with the Nationwide Mortgage Lending System (NMLS). Bay Federal Credit Union ID #403635. Federally Insured by NCUA. Equal Housing Lender.


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