www.montereycountynow.com JANUARY 16-22, 2025 MONTEREY COUNTY WEEKLY 7 Federally Insured by NCUA | Equal Housing Lender 831.479.6000 or toll-free at 888.4BAYFED, ext. 8304 www.bayfed.com/HomeLoans *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 (excluding Owners Title Insurance) , 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. Offer applicable on purchase transactions in the State of California. Other restrictions may apply. Terms and conditions are subject to change without notice. Closing Costs on Us! Bay Federal is here to support you in your journey to becoming a homeowner. Finance your first home with us and we’ll cover the closing costs and appraisal fee.* ITINs accepted on home loan applications. Apply today. 1524 N. Main Street | Salinas THEIR SMILES SAY IT ALL. THANK YOU! Your gifts will open doors to food, shelter, support, and housing for your friends and neighbors experiencing homelessness now.
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