Fall - 2022

C A R M E L M A G A Z I N E • F A L L 2 0 2 2 183 Our Jumbo Loan Rates Have Never Been Lower! *All loans are subject to approval of credit, income verification, and property valuation. Bay Federal Credit Union membership required at the time of closing. For more information, visit any Bay Federal Credit Union branch or call a Bay Federal Home Loan Consultant at 831.479.6000, or toll-free at 888.4BAYFED, extension 304. Bay Federal Credit Union is registered with the Nationwide Mortgage Lending System (NMLS). Bay Federal Credit Union ID #403635. Federally Insured by NCUA | Equal Housing Lender 831.479.6000 or toll-free at 888.4BAYFED, ext. 304 www.bayfed.com/HomeLoans Home Loans up to $3,000,000 * ƒ Terms for 15 or 30 years ƒ Owner-occupied and second homes ƒ Single-family homes, approved condominiums, and planned unit developments ƒ Available as Fixed Rate Loans or Adjustable Rate Mortgages Apply Now at www.bayfed.com/apply