Mortgages
Unlike some lenders, we don't earn commissions -there's no
incentive to shoehorn you into a mortgage that chokes you.
We help you look at
all your obligations and come up with
a
mortgage you can live with.
We'll help you make a home your own.
Call the Mortgage Department at 419-698-2962 Press 1.
Registered Mortgage Loan Originators
- Diana Segura: Ph. Ext: 223 MLO# 805525
- Emily Genson: Ph. Ext: 224 MLO#337720
- Jenny Hood – Ph. Ext: 701 MLO#805524
- Dawn Goddard – Ph. Ext: 608 MLO# 805523
Fast & Free Pre-Approvals
Find out exactly what you can afford before you shop for your new home. As a pre-approved buyer, you're in a better bargaining position. Bring the following information to the Mortgage Department and we'll do the rest:
• Copies of most recent two-years' W-2 forms
•
Year-to-date pay stub
• Most recent two-years' tax returns (If self-employed)
•
It's that easy!
Available Mortgage Types
Bay Area Credit Union offers a complete range of mortgage loan options: Purchase, Refinance, Construction, Balloon, Jumbo, and Government (FHA and VA) loans.
Fixed Rates
Rate never changes and the principal and interest portion of your payment remains the same for the life of the loan.
Adjustable Rates
Starts out with a lower initial rate , allowing you to qualify for a larger mortgage, and adjusts over the life of the loan, subject to periodic and lifetime caps.
No Points
You can choose zero points, or you can choose to buy down your interest rate by paying points.
No Prepayment Penalties
You won't be penalized for paying your loan off early.
Payment Protection Plans
Protect your home and the future of the people you love. We offer competitive rates on Payment Protection Plans. If you were to pass away or become disabled, your payment protection would reduce or pay off the balance of your loan.
Call the Mortgage Department at 419-698-2962 today!
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