We Do Home Loans

Affordable options and rates for home loans. Get Preapproved!

Bay Federal Credit Union Does Home Loans
Happy Couple Taking a Break on Moving Day | 5% Down-payment for first-time home-buyers.*

Making Dreams a Reality

5% down for First Time Home Buyers up to $850,000!*




Buying a home is an investment in the future, and affordable financing is a key part of establishing homeownership. Bay Federal Credit Union is committed to helping our local community grow and thrive. That’s why we are making an investment in future homeowners!

For a limited time, first time home buyers may be eligible for this EXCLUSIVE financing opportunity.

  • Up to 95% LTV on loan amounts up to $850,000*
  • No mortgage insurance required*

Get pre-approved or apply today!


* Offer applicable to first time home buyers for purchase transactions in the State of California. 95% financing is available to qualified home buyers with a credit score of 720 or greater who meet underwriting approval and eligibility criteria for the purchase of a 1-unit owner-occupied residence. Mortgage insurance is not required. Loan amounts up to $850,000. Purchase contract must be executed after February 1, 2018. 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, assets, and 2 appraisals. Bay Federal Credit Union membership required. 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.
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