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 Lock1
  • VA Loan expertise
  • Loans with no down payment2
  • No PMI required
Learn Moreabout Navy Federal Mortgage Loans

Rates & Loans Options

VA Loans

Interest as low as

2.875%

APR as low as

3.351%

Conventional Fixed

Interest as low as

2.750%

APR as low as

2.930%

New! Enjoy a Smooth Mortgage Experience With HomeSquad

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

Learn Morelearn more about Homesquad

Homeownership:
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

More Than Just a Mortgage

As a Navy Federal member, you get access to additional benefits to help you save time and money. Get your loan, real estate agent, title services and loan servicing all through us.

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

Learn Moreabout RealtyPlus

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.

Learn Moreabout Navy Federal Title Services

Mortgage Learning Center

Here’s everything you need to know to buy or refinance a home.

Learn MoreVisit the Mortgage Learning Center

Homeowner Resources

View More Homeowner Resources

If you’re having trouble keeping up with your mortgage payments, we may be able to help. For more information, please see our "Alternatives to Foreclosure" page.

Disclosures

1 Freedom Lock is available for new applications on purchase loans at no additional fee, with a maximum interest rate reduction of up to 0.25%. You will have the opportunity to relock one time if rates improve, and your loan must close within sixty (60) days of initial lock.

2 May include an additional funding fee, which may be financed up to the maximum loan amount. Product features are subject to approval.

3 A VA loan of $250,000 for 15 years at 2.875% interest and 3.351% APR will have a monthly payment of $1,711.
A VA loan of $250,000 for 30 years at 3.000% interest and 3.281% APR will have a monthly payment of $1,054.
A fixed-rate loan of $250,000 for 15 years at 2.750% interest and 2.930% APR will have a monthly payment of $1,697.
A fixed-rate loan of $250,000 for 30 years at 3.375% interest and 3.506% APR will have a monthly payment of $1,105.
Taxes and insurance not included; therefore, the actual payment obligation will be greater.

4 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. All real estate transactions are negotiable. Standard listing fees apply. Contact RealtyPlus for terms and conditions.