Routing # 091102894

Loans

Download a consumer loan application here

Want to build a new home?  Home construction requires a special type of loan -- Baybank can help! 

A construction loan from Baybank can help alleviate some of the anxiety in building a new home.  The amount of your payment during the term of the construction loan is directly related to the amount "drawn" during construction.

Pre-construction appraisals and costs estimates based on construction plans and property acquisition determines the amount of construction dollars to be financed.  Upon completion of the home, the construction loan is converted to long term, mortgage financing.

We may also help with a "bridge" loan when you have not yet sold your old home

Home Mortgage Loans

Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.
1.Click Apply Now and complete the application.
2.When you have completed the application, click submit and your information will be reviewed for instant online approval.
3.A Baybank Mortgage Expert will follow up to answer your questions.

Home Equity Loans

A loan or credit line secured by the investment you've made in your home.

You can convert the equity in your home into cash whenever you need it with a home equity loan.  This self-activated open-end line of credit gives you the ability to draw against your pre-approved credit limit at any time and for any purpose.  The interest rate is typically much lower than other types of consumer loans and the interest you pay may be tax deductible (check with your tax consultant).

Personal Loans

Baybank provides financing for any purpose whether it be to purchase an auto, boat, RV, furniture, appliances, computer, or other consumer goods.

Qualifying individuals may borrow for any personal or family (non-business) intention at interest rates which vary depending on the purpose and repayment terms of the loan.  Consumer loans may be secured or unsecured based on the borrower's purpose, credit history, and size of the loan.

Loan Calculators (click for the link)

There are many financial decisions involved in purchasing or refinancing a home. The calculators we provide here can help you decide what type of mortgage is best for you, whether you are considering purchasing a new home or deciding if it is the right time to refinance. Of course, the calculators don't take into account all the factors that should be considered when choosing a new mortgage, they are designed just to offer assistance