“Home is the starting place of love, hope and dreams.”


Whatever your dream home is — from a vintage farmhouse with acreage to a custom-built home in a residential development — Bay Area Credit Union has the right mortgage for you! Whether a first time homebuyer or refinancing your existing mortgage, we are here to help. It’s EASY to apply online.

Apply For A Loan Now!

View our current rates

Interested in a Home Equity Line of Credit?

Here’s a checklist to help expedite the application process.


  • Competitive rates
  • Wide range of terms and programs
  • Purchase, refinance, ARM’s adjustable, investment properties
  • Fast, free pre-qualifications
  • No pre-payment penalty
  • Automatic payments may be made from your Bay Area account or from another financial institution
  • Manage your loans via It’sMe247 bankingmobile banking, or by phone

Registered Mortgage Loan Originators: BACU NMLS # 799669

Gayle Schaefer – Ph Ext. 224 – NMLS # 2088470

Paula Barker – Ph. Ext. 223 NMLS # 1782738

Sarah Derr – Ph Ext. 222 NMLS # 2222761

Becca Brammer – Ph. Ext: 227 NMLS # 1084175