Fixed Rate

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

Adjustable Rate

  • 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
  • Fixed and adjustable rates
  • No income limits
  • Minimum one (1) year on the job
Apply now   

New Mortgage Product

More power for your purchase.

Purchase your next home with as little as 10% down and no Private Mortgage Insurance (PMI). Making your next move is more possible with BayPort.

  • 10% down payment
  • No PMI
  • Fixed and adjustable rates
  • Primary residence purchases only
  • 720 credit score and above

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 required

Apply now

*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

Katherine Forrest

Mortgage Loan Officer
NMLS: 1495735

(757) 869-3943

Paul Hobson

Mortgage Loan Officer
NMLS: 211249

(757) 671-8874


Courtney Jardine

Mortgage Loan Officer
NMLS: 1612413

(757) 928-8826

William Pope

Will Pope

Mortgage Loan Officer
NMLS: 699256

(757) 995-0210

(757) 928-8850 · (800) 928-8801

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.

Our website contains links to websites owned and operated by third parties. If you use these links, you leave our website. BayPort Credit Union has no control over the contents of such linked websites or third parties and is not responsible for these websites, their content, or availability.

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