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Bay National Bank has two full-service residential mortgage lending divisions, led by experienced professionals, dedicated to unsurpassed rates and service. Whether you are purchasing a new home, refinancing your current mortgage loan, building or remodeling, we will help you choose from our broad array of mortgage alternatives, both fixed and adjustable rates. Deciding between a traditional fixed-rate mortgage and an adjustable-rate mortgage often requires the expertise and experience of a mortgage professional who will factor into the recommendation all the important variables that impact your decision.
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