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

3.125%

APR as low as

3.718%

Conventional Fixed

Interest as low as

3.125%

APR as low as

3.343%

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.

Real Estate Expertise

Use RealtyPlus® to get matched with a top-performing real estate agent in your area and get cash back, too.4

Learn Moreabout RealtyPlus

Navy Federal Title Services

Closing on your new home is an exciting time! Depend on our expertise for a stress-free process.

Learn Moreabout Navy Federal Title Services

Our Members Are Saying Great Things

See how Navy Federal performed in the recent J.D. Power Primary Mortgage Servicer Study.

Review Our J.D. Power Rankings

Mortgage Learning Center

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

Learn MoreVisit the Mortgage Learning Center

Best-in-Class Service

Our best-in-class service doesn’t end at closing. We stick with you through the life of your loan.

Learn More about our mortgage loan service

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 re-lock one time if rates improve. You must contact your loan officer to re-lock a minimum of fourteen (14) calendar days prior to settlement/closing, and your loan must close within sixty (60) days of initial lock.

2 100% financing loans 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 3.125% interest and 3.718% APR will have a monthly payment of $1,742.
A VA loan of $250,000 for 30 years at 3.250% interest and 3.556% APR will have a monthly payment of $1,088.
A fixed-rate loan of $250,000 for 15 years at 3.125% interest and 3.343% APR will have a monthly payment of $1,742.
A fixed-rate loan of $250,000 for 30 years at 3.750% interest and 3.926% APR will have a monthly payment of $1,158.
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 pre-loaded 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.