Bayport Credit Union: A Smarter Way to Bank
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Online Banking Enrollment is easy - here's how:

  • In the Username box, enter your Account #.
  • In the Password box, enter your numeric STAR PIN.

If you do not have a STAR PIN or need assistance,
please contact us.

Home Loans

You want to build a better life for your family, and owning your own home allows you to establish roots in a community where you can grow and prosper. With BayPort's First Mortgage Loan options, you can find a solution that fits your particular needs.

What type of mortgage do you need? We promote responsible borrowing with mortgages that feature fixed rates, adjustable rates, flexible terms, competitive rates, low closing costs, and no prepayment penalties. Whether you are buying a home or building one, BayPort caters to you.

Adjustable Rate Mortgage (ARM)

  • Three-year adjustable loan rate won't increase by more than 5% over original rate during its term
  • Available for primary residences and second homes
  • Rate can change up or down only 1% every three years
  • Up to 95% loan-to-value available
  • Terms available up to 30 years

Fixed-Rate Mortgage

  • Conventional mortgage with an interest rate that will never change
  • Terms available up to 30 years
  • VA loan options available for veterans

Unimproved Property (Land)

  • Fixed, ARM, and Ballon loan products available

New Construction

  • A permanent loan closed once; no need to close again when your home is completed
  • Pay only the interest during the construction phase
  • Class A Builder required

Mobile Homes

  • Loan available as a three-year, adjustable-rate mortgage
  • Mobile homes must be on a permanent foundation or brick or cinder block around the entire base of the home with wheels and tongue removed
  • If mobile home does not meet the listed requirements, please call 800.928.8801 for additional financing options

How to Apply for a BayPort Credit Union First Mortgage Loan

  • Fill out and submit your application online
  • Drop off your application at any BayPort branch location
  • Mail your application to the BayPort Credit Union Mortgage Department at 2107 Hartford Rd., Suite B, Hampton, VA 23666
  • Fax your application to 757.896.8758

An appraisal is required on all first mortgages and we will order the appraisal for you. Also, please provide a daytime phone number so we can contact you.

If you have any questions, please contact us. Our mortgage department is open to visitors from 9 a.m. to 5 p.m., Monday through Friday, but you can call us starting at 8 a.m. during the week. We are committed to providing valuable information and mortgage loan options to our members in the Tidewater and Hampton Roads, Virginia, area.