Home Loans


  • Our experienced loan experts are ready to help you find the home loan that’s right for you.
  • Purchase or refinance
  • 5/1 and 10/1 ARMs available
  • 15 and 30 year Fixed Rates
  • Specializing in non-conforming loans for agricultural, manufactured and residential homes. We also do condominium and manufactured homes when many other lenders won’t!
  • Click here for conforming loan rates and to apply
  • Home loans can be very complex. The mortgage process can be grueling. But not when you work with North Bay Credit Union. We close a home loan within 30 days and we’re closing loans every day for our members. This is because home loan approvals are completed right in our local branch. Local decision-making can make the difference on a successful closing on your dream home.
  • Whatever your dream, we’re here to help make it happen.

Contact our Mortgage Specialists at (707)-584-0384

Should you refinance your home mortgage?
Check out this article for some good guidance.

HELOC- Home Equity Lines Of Credit

Own your own home? Open a line of credit based on the available equity in your primary residence. Borrow up to 70% of your net equity in your home

  • Borrow up to 70% of your net equity in your home
  • 10 Year Draw – 15 Year Pay Back
  • Rate is tied to the Prime Rate
  • Interest only payments for the first 10 years
  • Turn a spare bedroom into income producing space with a conversion to an Accessory Dwelling Unit (ADU). We partner with Lilypad Homes to help people re-purpose unused space to generate $$.

Call us today!

(once completed, you can save as a .pdf file and email it to us at efrain@northbaycu.com)

Sample Mortgage Rates

Term Rates
30 Year Fixed 4.37% (conforming)
15 Year Fixed 4.35% (non-conforming)
5/1 Arm 4.25% (non-conforming)
Manufactured home 6.50%
Ag producing land Multiple products available - call for details
Home Equity Line of Credit 4.75%
Manufactured home 6.50%

Get today's mortgage rates Safe and Secure! Rates quoted for excellent credit score, rates subject to change at any time. We specialize in non-conforming loans. Loan approval subject to income and credit evaluation. Terms subject to change without notice.

North Bay Credit Union NMLS: 729563