Where to Start

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Information For First-Time Buyers

First-Time Home Buying

Congratulations! We're pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Getting Value Out Of Your Home

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.








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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 660 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.

Printable Loan Application