We promote responsible borrowing by offering mortgage options that feature flexible terms, competitive rates, low closing costs, and no prepayment penalties.

Fixed Rates

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

Adjustable Rate

  • Three-year adjustable loan rate with 5% cap
  • Rate can change up or down only 1% every three years
  • 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
  • Class A Builder required

Land Loans

  • Fixed rate
  • ARM
  • Balloon loan options

Apply online or get prequalified as a non-member.

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Earn Cash Rewards

Choose a Realtor® from the HomeAdvantage® network and get rewarded at closing! Earn an average of $1,500, and if you use your agent to buy and sell, you can double it!

Connect with an agent ▸

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Shop for Homes

Search by number of bedrooms and baths, special amenities, or square footage. Save your searches and get alerts when new homes are available.

Find your next home ▸

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Qualify for Assistance

Law enforcement officers, educators, firefighters, and other first responders may be eligible for $7,500 in home purchase assistance.

Call our Mortgage Center at (757) 896-8769 to find out more details.

Get your appraisal free!

Assessing your home’s value is a critical part of the homebuying process. Look forward to checking off that step! When you choose to finance your new home with BayPort, we’ll reimburse the cost of your home appraisal up to $550 at closing.

*Membership eligibility required. Certain restrictions apply. Appraisal reimbursement for first mortgage products only.

Need a quote on a home insurance policy?

Protect against Mother Nature and unexpected events. BayPort Insurance offers the homeowners coverage you need to protect your investments and personal valuables.

More about home insurance ▸

Ready to apply?

If you’re already a BayPort member, get the mortgage process started easily in just a few clicks. Not a member yet? No worries! Get prequalified now.

Apply Online

(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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