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Why Choose Navy Federal for Your Mortgage? 

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.

  • Freedom Lock—your rate is protected1
  • VA Loan expertise
  • Loans with no down payment2
  • No PMI required

Learn More about Navy Federal Mortgage Loans

Rates & Loans Options

VA Loans

Interest as Low As 2.375%

APR as Low As 3.012%

Conventional Fixed Rate

Interest as Low As 2.375%

APR as Low As 2.625%

Enjoy a Smooth Mortgage Experience With HomeSquad

Fast Preapprovals, Step-by-Step Guidance and 24/7 Access to Your Loan Status

Learn More about HomeSquad

Where Are You in Your Journey?

Whether you’re gathering information, crunching the numbers or preparing to fill out your application, we have the tools and resources you need.

Learn More about the homebuying journey

Mortgage Refinancing

Already have a mortgage and want to refinance for a different interest rate or shorter term? We have loans that might be a good fit.

Learn More about mortgage refinancing

Mortgage Calculators

From estimating closing costs to deciding how much home you can afford, our calculators can help you make decisions about your mortgage.

See All Calculators

Find a Real Estate Agent

Use RealtyPlus® to choose a top-performing real estate agent in your area and earn cash back, too. Exclusive for Navy Federal members.4

Learn More about RealtyPlus

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Homeowner Resources

View MoreHomeowner Resources



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.


Product features subject to approval. Available for purchase loans only. Loans are subject to an additional funding fee, which may be financed up to the maximum loan amount. 


A VA loan of $250,000 for 15 years at 2.375% interest and 3.012% APR will have a monthly payment of $1,652.
A fixed-rate loan of $250,000 for 15 years at 2.375% interest and 2.625% APR will have a monthly payment of $1,652.
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. This rate offer is effective 01/17/2022 and subject to change. Rates based on creditworthiness, so your rate may differ. All loans subject to credit approval. Rates quoted require a loan origination fee of 1.00%, which may be waived for a 0.25% increase in interest rate. Many of these programs carry discount points, which may impact your rate.



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 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 $9,000 cash-back award requires transacting in a property valued at $3 million or greater. To calculate the size of your potential cash back, please visit All real estate transactions are negotiable. Contact RealtyPlus for terms and conditions. Standard listing fees apply. The program award is not available in certain transactions with restricted agent commissions (including many new construction, For Sale by Owner, or For Sale by iBuyer transactions). Your assigned agent can help you identify any transactions where the award would not be available. This program is offered, in part, by Realogy Lead Management Services, Inc. d/b/a Realogy Leads Group (RLG). RLG may receive a co-operative brokerage fee as a result of a referral to the real estate companies listed above. Program terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.