www.montereycountynow.com SEPTEMBER 12-18, 2024 MONTEREY COUNTY WEEKLY 9 Federally Insured by NCUA | Equal Housing Lender 831.479.6000 or toll-free at 888.4BAYFED, ext. 8304 www.bayfed.com/HomeLoans Receive a free appraisal and no closing costs when you finance your first home with Bay Federal Credit Union. Apply Now! * All loans are subject to approval of credit, income verification, assets, and property valuation. Bay Federal Credit Union membership required. For more information, visit any Bay Federal Credit Union branch or call a Bay Federal Home Loan Consultant at 831.479.6000, or toll-free at 888.4BAYFED, extension 8304. Bay Federal Credit Union is registered with the Nationwide Mortgage Lending System (NMLS). Bay Federal Credit Union ID #403635. No closing costs include lender fees, appraisal fees, title fees, and escrow fees. First Time Homebuyer Program available to those that have not owned a property in the last three years. Offer valid on owner-occupied single-family residences for those with a credit score of 680+. Maximum loan amounts up to $1,149,825 in Santa Cruz and San Benito Counties, and $920,000 in Monterey County. Mortgage insurance required for loan amounts greater than 80% loan to value. Offer applicable on purchase transactions in the State of California. Offer not available on refinances. Other restrictions may apply. Terms and conditions are subject to change without notice. All loans are subject to approval of credit, income verification, and property valuation. Bay Federal Credit Union membership required at the time of closing. For more information visit any Bay Federal Credit Union branch or call a Bay Federal Home Loan Consultant at 831.479.6000 or toll-free at 888.4BAYFED, extension 8304. Bay Federal Credit Union is registered with the Nationwide Mortgage Lending System (NMLS). Bay Federal Credit Union ID #403635. 97% financing is available to qualified first-time home buyers with a credit score of 620 or greater who meet underwriting approval and eligibility criteria. Loan amounts up to $1,149,825 in Santa Cruz and San Benito Counties, and $920,000 in Monterey County. Requires mortgage insurance approval. Property must meet specific occupancy and unit requirements. Some loan amounts only eligible for FTHB only. 1524 N. Main Street | Salinas Bring it into focus by becoming a Court Appointed Special Advocate. The path is unclear for children and youth in the foster care and juvenile justice systems. Sign up for an information session today casaofmonterey.org
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