We now offer up to 97% financing for home purchases!
This product is perfect for qualified first time home buyers! Members with a credit score of 700 or greater can finance loan amounts up to $417,000 with mortgage insurance required.
For information on rate locks or financing manufactured homes, please contact our Mortgage Lending Professionals at 831.479.6000 or 888.4BAYFED, option 4.
Bay Federal is an approved Mortgage Credit Certificate (MCC) lender in Santa Cruz County. Already have an MCC? Bay Federal can help you with your Reissued MCC (RMCC) as well.
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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
