Why Partner With Navy Federal?

Navy Federal understands your unique needs as a home builder, and we’re here to help you succeed. When you partner with us, you’ll have access to dedicated support, competitive loan rates and the opportunity to participate in home-buying events with our members.

Why Navy Federal?

Portfolio Products

We offer an array of unique and exclusive products, designed to make homeownership a reality. These products offer a huge benefit to our partners, helping them succeed with their customers.

Rate Match Guarantee

We offer industry-leading rates and strive to maintain them. To prove it, we’ll match or beat a competitor’s rates on the same product or offer up to $1,000 back to the buyer.1

Rate Lock Options

Our Freedom Lock float-down option allows buyers to lock their rate with the guarantee that if rates improve, they can re-lock the lower rate two times at no cost. Buyers can float their rate at the time of application and then choose Freedom Lock when they are ready to close.2 We also offer rate lock options for up to 360 days and standard 30 day rate lock extensions.

Dedicated Staff and Support

You’ll have a direct point of contact with a member of our Builders Liaison team who will remain involved in your transactions and has the knowledge to help you find solutions that fit your needs. We also have local mortgage professionals nationwide for co-marketing opportunities.

Want to learn more?

Email Us about our mortgage solutions

Navy Federal Mortgage Industry Awards

  • Top 5 VA Lender. Expertise in helping servicemembers and veterans take advantage of every benefit they’ve earned.
  • Fortune 100. Consistently named one of Fortune 100 Best Companies to Work For.
  • KPMG. Ranked No. 1 in the 2018 US KPMG Customer Experience Excellence report.

Who's Eligible for Membership?

Navy Federal is open to all 5 branches of the armed forces, the DoD, veterans and family members.

Learn More about Navy Federal membership about membership

Co-Marketing Opportunities

When you partner with Navy Federal, you’ll have the chance to participate in home-buying events with our members.

  • Homebuyer seminars. Make guest appearances at our regular homebuyer seminars and other events with our members. See upcoming events.
  • Network with our RealtyPlus® partner. We match homebuyers with local real estate agents for a smooth home-buying experience and the opportunity to get cash back when they buy or sell a home.

Rates & Loan Options

VA Loans

Interest as Low As 2.250%

APR as Low As 2.718%

Conventional Fixed Rate

Interest as Low As 2.125%

APR as Low As 2.338%



Receiving the rate match guarantee is only applicable if all conditions are met. Available for purchase and refinance first mortgages. Certain product exclusions may apply. You must lock your rate with Navy Federal prior to submitting rate match request to qualify. Loan Estimate from competing lender must be dated and received within 3 calendar days of locking your interest rate at Navy Federal. Please note that no other documentation may be used to show competitors' terms. The terms of the competing loan must be identical to Navy Federal's loan; for example, a 30-year, fixed-rate product with mortgage insurance is not identical to a Navy Federal 30-year, fixed-rate product that does not have mortgage insurance. If the loan does not close within the commitment period, the rate match may be voided. NOTE: The initial Loan Estimate from a wholesale lender/broker is not an acceptable document for a rate match submission unless the Lender Information section on the Loan Estimate is completed. To receive $1,000, you must provide a signed, executed copy of the final Closing Disclosure and a copy of the final mortgage note within 30 calendar days of your loan closing with the original competing lender. Not valid if original loan terms or conditions change prior to closing. Once approved, $1,000 will be automatically deposited into your Navy Federal account within 30 calendar days of receiving the necessary documentation. Recipient is solely responsible for any personal tax liability arising out of this incentive.


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.


A VA loan of $250,000 for 15 years at 2.250% interest and 2.718% APR will have a monthly payment of $1,638.
A fixed-rate loan of $250,000 for 15 years at 2.125% interest and 2.338% APR will have a monthly payment of $1,624.
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.