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Home Mortgage

A long term loan to purchase a home or condominium, or refinance an existing home loan. 

baybank offers fixed and variable rates for home purchases or refinancing, with convenient monthly payments.   Adjustable rate mortgage (ARM) loans are also available.  Trouble with a down payment? You may qualify for a "no down payment" mortgage loan. Baybank is an approved lender for MSHDA the USDA Rural Housing Service Loan program. Information regarding these programs is available by email or by calling a baybank loan officer.

A complete Hometown Home Mortgage application kit is available at any baybank location.  Please talk with a baybank loan officer about your home mortgage options and related costs.  A PDF version of a personal  mortgage application can be printed out and mailed back to us. 

Note:  Interest paid on these loans may be tax deductible.  Consult your accountant or tax preparation expert to be sure. 

baybank Loan Officers
At our Gladstone Office:
(906) 428-4040
Phil Clark
Carol C. Lauscher
John Noreus		 At our Escanaba Office:
(906) 786-2299
Karen E. LaFave
Carol Carlson
At our Rapid River Office:
(906) 474-6631
Esther Davis		 At our Wells Township Office:
(906) 789-9760
Julie L. Sacheck
messageto@baybank.us

Last modified Tuesday August 08 2006