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

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Grab the Best Rate
You’ll be able to pay off your home mortgage in no time with BayPort’s unique Retire My Mortgage options featuring our lowest available rates.

Compare rates

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No Rate Increases
Our Safe Shop Rate Lock program protects you from rate increases while you shop for your new home.

A contract must be presented within 60 days of receiving your prequalification. Rates may vary due to credit score, loan amount, loan to value, and loan type. VA and FHA loans do not qualify.

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
  • 30-year fixed and adjustable rates
  • No income limits
  • Minimum one (1) year on the job

Apply now

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 is required

Apply now

*Loans with a Loan to Value (LTV) in excess of 80% will be required to have Private Mortgage Insurance (PMI) coverage.

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Find a mortgage that feels good.

Whether you’re a first-time homebuyer or searching for your forever home, we have a home loan option that’s just the right for you.


Fixed Rate

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

Adjustable Rate

  • All 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

Get qualified for assistance
Are you a law enforcement officer, educator, firefighter, or first responder? You may be eligible for $7,500 in purchase assistance. Contact our Mortgage Center

Real people. Ready to get you started.

Lance Musser
Lance Musser
Mortgage Sales Manager
NMLS: 211262
(757) 325-6371

Katherine Forrest
Katherine Forrest

Mortgage Loan Officer
NMLS: 1495735
(757) 869-3943

Rick Harmon
Rick Harman, Jr.
Mortgage Loan Officer
NMLS: 659426
(757) 896-8762

Courtney Jardine

Mortgage Loan Officer
NMLS: 1612413
(757) 928-8826

K McClane
Kristin McClane
Mortgage Loan Officer
NMLS: 2120784
(757) 671-8891

Start your mortgage application today.

We’re here to help you find the perfect home loan—whether you’re refinancing, purchasing your first home, or shopping for a new one!

Apply Now

(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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