Bay Area Credit Union


	Mortgages Shopping for the perfect house is enough of a task. Who needs to worry about shopping for the best home loan? Whether you're a first time buyer, moving up to a bigger home, refinancing your existing one, or building a new home, Bay Area Credit Union has the mortgage loan to fit your needs. Mortgage rates change frequently. Contact the Mortgage Department for current rates. 419-698-2962.

	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. FREE Pre-Approval 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. 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.		Generous Amounts You can borrow up to 100% loan-to-value when you purchase your home. 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.