First Mortgage - BayPort Credit Union

BayPort Credit Union

BayPort Credit Union

Join BayPort

We promote responsible borrowing by offering mortgage options that feature flexible terms, competitive rates, low closing costs, and no prepayment penalties.

Find a mortgage that feels good.

Whether you’re a first-time homebuyer or searching for your forever home, we have a home loan option that’s just the right for you.

Fixed Rate

Flexible terms up to 30 years
Rate remains the same for the entire term of loan
VA loans available

Adjustable Rate

All ARMs are 3-year adjustable and may increase/decrease no more than 1% every three years
Rates may increase/decrease max of 5% over the life of the loan
Up to 95% loan-to-value available
Terms available up to 30 years

New Construction

A permanent loan closed once; no need to close again when your home is completed
Pay only the interest during construction phase
Fixed and adjustable rates available
Class A Builder required

Land Loans

Fixed rate
ARM
Balloon loan options

New Mortgage Product

Hello BayPort Home PLUS!

We’re happy to introduce a new 100% no PMI loan for first-time homebuyers or those who haven’t owned a home in the last three (3) years. Now you can really make home happen.

No down payment
No PMI/Private Mortgage Insurance
30-year fixed and adjustable rates
No income limits
Minimum one (1) year on the job

Apply now

New Construction Product

Build with confidence!

Secure financing today while you start building your dream home with a Construction to Permanent loan at BayPort.

One-time closing
Interest-Only payments during construction
Fixed rates up to 95%L LTV*
Adjustable rates up to 85% LTV
Class A builder is required

*Loans with a Loan to Value (LTV) in excess of 80% will be required to have Private Mortgage Insurance (PMI) coverage.

Real people. Ready to get you started.

Lance Musser

Mortgage Sales Manager
NMLS: 211262

(757) 325-6371

Bianca Avery

Mortgage Loan Officer
NMLS: 456281

(757) 325-6401

Katherine Forrest

Mortgage Loan Officer
NMLS: 1495735

(757) 869-3943

Rick Harman, Jr.

Mortgage Loan Officer
NMLS: 659426

(757) 896-8762

Paul Hobson

Mortgage Loan Officer
NMLS: 211249

(757) 671-8874

Courtney Jardine

Mortgage Loan Officer
NMLS: 1612413

(757) 928-8826

Start your mortgage application today.

We’re here to help you find the perfect home loan—whether you’re refinancing, purchasing your first home, or shopping for a new one!

Apply now

Be happy, healthy, and financially wise for life.

Find a location

(757) 928-8850 · (800) 928-8801

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Copyright © BayPort Credit Union. All rights reserved.

Routing Number: 251481368

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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