Mortgages
Home Loan Features to Fit Your Needs
We have a loan option for you and special features to make sure you get a great deal on it.
New! Enjoy a Smooth Mortgage Experience With HomeSquad
Fast Preapprovals, Step-by-Step Guidance and 24/7 Access to Your Loan Status
Find a Real Estate Agent
Use RealtyPlus® to get matched with a top-performing real estate agent in your area and earn cash back, too. Exclusive for Navy Federal members.4
Close Your Loan Stress-Free
Closing on your new home is an exciting time! Depend on Navy Federal Title Services to guide you through the process.
Mortgage Learning Center
Here’s everything you need to know to buy or refinance a home.
Homeowner Resources
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How to Make Mortgage Payments
Find out what makes up your monthly mortgage payments and learn about convenient payment options.Learn Moreabout How to Make Mortgage Payments -
Escrow
Find out how we calculate your escrow payments and get answers to your most frequently asked questions.Learn Moreabout Escrow -
Managing Your HELOC
Get answers to questions about your HELOC, including how we calculate your interest rate.Learn Moreabout Managing Your HELOC
Disclosures
Freedom Lock is available for new applications on purchase and refinance loans at no additional fee, with a maximum interest rate reduction of up to 0.50%. You will have the opportunity to relock twice if rates improve, and your loan must close within sixty (60) days of initial lock.
↵May include an additional funding fee, which may be financed up to the maximum loan amount. Product features are subject to approval.
↵A VA loan of $250,000 for 15 years at 2.000% interest and 2.465% APR will have a monthly payment of $1,609.
A fixed-rate loan of $250,000 for 15 years at 1.625% interest and 1.835% APR will have a monthly payment of $1,566.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. If you have less than your VA home loan entitlement, limitations to your loan amount may apply.
The cash-back bonus is offered in most states and is available for individual sales and purchases of property; offer limited to one cash-back bonus per property with no limit on the amount of times you may use the program. In some states, a gift card or commission credit at closing may be provided in lieu of the cash-back bonus. The program is not available in IA or outside the U.S. Cash-back bonus is not available in AK, LA or OK. In KS and TN, a gift card with preloaded points that are ready for spending at specified retail establishments after closing will be issued. State regulations in KS limit the dollar amounts and the type of incentive. In MS, NJ, and OR, a commission reduction may be available at closing. Please check with the program coordinator for details. This is not a solicitation if you are already represented by a real estate broker. The cash-back bonus is only available with the purchase or sale of your home through the use of a program-referred and -approved real estate agent. The size of your cash-back award depends on the value of the property you are buying or selling. Obtaining the full $8,000 cash-back award requires transacting in a property valued at $1.75 million or greater. To calculate the size of your potential cash back, please visit navyfederal.org/realtyplus. All real estate transactions are negotiable. Contact RealtyPlus for terms and conditions. Standard listing fees apply.
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