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 apply?

If you are ready to get preapproved for a new home loan or refinance your existing home loan, apply now ▸

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Just starting the search?

Complete this form to see how much you may be able to borrow based on the information you provide. Prequalification is neither a preapproval nor a commitment to lend. 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?

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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