First-Time Homebuyers

Our new program features a 3% down payment and no closing costs!* Learn more

Family surrounded by moving boxes
Couple roasting marshmallows

Get a Free Appraisal When You Refinance Your Home Loan with Us!*


If you have a home loan with another lender you may be able to save big on your monthly payments by refinancing with your local credit union.

Act now and when you refinance your home loan from another financial institution with Bay Federal, we will save you even more with a free appraisal! Just be sure to lock your rate within seven days of applying.

Celebrate this summer by taking advantage of historically low rates:

  • Save money with lower monthly payments
  • Take out additional cash for home improvements or debt consolidation
  • Finance with us and help support our local community

Apply for a Mortgage Refinance 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.


*Offer applicable on 1st mortgage refinances of non-Bay Federal serviced home loans with a minimum loan amount of $40,000. Eligible Bay Federal Home Loans include 1 - 4 family, owner occupied, second home, and investment properties up to a maximum loan amount of $3,000,000. Rate must be locked within 7 days of application to qualify for this offer. One free appraisal per transaction. Loan application must be received by September 30, 2021 and funded no later than December 31, 2021. Terms and conditions are subject to change without notice. All loans are subject to credit approval. 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.

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