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

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
  • Class A Builder required

Land Loans

  • Fixed rate
  • ARM
  • Balloon loan options

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Ready to make an offer on your new home?

BayPort members can apply now ▸

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Just starting the search?

If you’re not a member yet, you can complete this form to estimate how much you may be able to borrow based on the information you provide. Get prequalified ▸

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.

Call our Mortgage Center at (757) 896-8769 for details.

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 ▸

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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Potential Fraud Alert: There have been recent reports of fraudulent calls and texts to members regarding Zelle transactions. DO NOT share your personal account information, including username and passwords, with anyone contacting you via phone, email, or text claiming to be from BayPort.Get the latest COVID-19 news on stimulus checks, PPP loans & more ▸