We Do Home Loans

Affordable options and rates for home loans. Get Preapproved!

Bay Federal Credit Union Does Home Loans
Happy kids and the dog in their fort with holiday lights

$1,000 Off Closing Costs When You Finance with Bay Federal!*

When you apply for a home loan with Bay Federal, rest assured you are supporting our local community. In addition to great, friendly service, we offer competitive rates on a wide variety of mortgage products, both for purchases and refinancing in California. 

We encourage you to learn more about Bay Federal and our products and services by visiting any of our 6 convenient branches throughout Santa Cruz County. You may also apply online and get pre-approved!

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 available on home purchases only. $1,000 off closing costs will be credited at the close of escrow. Available on owner occupied, second home and investment property first mortgages only. All loans subject to approval of credit, income verification and property valuation. Loan application must be dated between January 1, 2020 and March 31st, and loan funded no later than April 30, 2020. Bay Federal Credit Union membership required at the time of closing. Cannot be combined with any other offer. 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, ext. 304.

mobile apps