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Builders, Let’s Team Up and Help Your Clients Create a Home

Builders, Let’s Team Up and Help Your Clients Create a Home

Connect With Our Experienced Builder Liaisons

Let's make sure you're in the right place. Select if you're a Builder, Agent or Homebuyer.

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 for homebuyers and the opportunity to participate in home-buying events with our members.

Instant Preapprovals

With our online mortgage application, your clients can get preapproved quickly, sometimes instantly.

Portfolio Products

We offer an array of unique and exclusive products to fit your clients’ needs and can make homeownership a reality.

Competitor Price Matching

We can review any competitor’s offer (recent Loan Estimate) to potentially match or beat the interest rate and/or terms.  The value we provide—and our ability to match competitor terms—offers our members the ability to make informed financial decisions.1

Rate Lock Options2

We offer extended rate lock options and float-down rate lock options to give your buyers peace of mind. 

Dedicated Staff and Support

Your buyers will have a dedicated point of contact from a member of our processing team to guide them through the mortgage process.

Lifelong Loan Service

Our first-class loan servicing doesn't end at closing. We'll be with your buyers through the life of their loan. 

 


Who's Eligible for Membership?

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

Learn More


Industry Awards & Recognition

We’re proud to be recognized as a Best Mortgage Lender by US News & World Report and NerdWalletHere are some other recognitions we’re honored to have received: 

Member-Driven Awards

  • Top Credit Union of 2022 by Bankrate
  • Best Credit Union of 2022 by GOBankingRates
  • No. 1 for Customer Experience in Forrester’s CX Index™ survey 2021
  • Fortune 100 Best Companies to Work For 2022
  • Best Mortgage Refi Companies of 2022 by Money.com

Military-Focused Awards

  • A Top VA Lender - Money Magazine Best VA Loan Lender 2023
  • Best Military Bank and Credit Union of 2021 by Military Wallet
  • Best Personal Loans for Veterans & Military 2022 by Forbes Advisor
  • Best Military Bank and Credit Union 2019 by US News & World Report
  • Best VA Loan Lenders of 2022 by Money.com

Looking to Connect With Our Builder Liaisons?

Our experienced team members are here to help guide buyers to their dream home. 

Connecticut, Delaware, Maine, Maryland, MAssachusetts, New Hampshire, New JerSey, New York, Pennsylvania, Rhode Island, Virginia, West Virginia, District of Columbia

Patrick Riley
patrick_riley@navyfederal.org
850-751-0457

 

FLORIDA, GEorgia, South Carolina

Keith Buyers
keith_buyers@navyfederal.org
850-751-2718

 
ARIZONA, CoLORADO, NEVADA, NEW MEXICO, UTAH

Cassie Cabrera
cassie_cabrera@navyfederal.org
850-751-1296

 
ALASKA, CALIFORNIA, HAWAII, OREGON, Texas, Washington

Haley Hicks
haley_hicks@navyfederal.org
912-322-0760

 
Idaho, Illinois, indiana, Iowa, Kansas, minnesota, Missouri, Montana, Nebraska, North Dakota, Ohio, South Dakota, Wisconsin, Wyoming

Jackson Smith
jackson_w_smith@navyfederal.org
850-751-7945

 
ALAbama, Kentucky, Louisiana, Mississippi, Oklahoma, Arkansas, North Carolina, TennessEe

Shelby McGowan
shelby_mcgowan@navyfederal.org
850-751-2736

 

Benefits of Partnering With Navy Federal

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

  • Member Education Sessions. Make guest appearances at our regular member education sessions and other events with our members.
  • 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.3

Rates & Loan Options

VA Loans

Interest as Low As 5.625%

APR as Low As 6.365%

Conventional Fixed Rate

Interest as Low As 5.875%

APR as Low As 6.071%

Disclosures

1

Guarantee to receive rate match 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. A Loan Estimate and the rate lock disclosure from the competing lender must be received within 3 calendar days of locking with Navy Federal. The rate must be locked with the competing lender. The date of the Loan Estimate and the lock effective date with the competing lender must be within 3 calendar days of the rate lock with 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.

2

Special Freedom Lock is available for new applications on purchase and refinance loans at no additional fee for a 60-day lock. You must request the Special Freedom Lock option during the initial lock request. You may request a lower rate no more than two (2) times, with a maximum cumulative interest rate reduction of 0.50%. You must monitor rates to decide when to exercise the option to lower the rate. All requests for a lower rate must occur at least seven (7) calendar days before closing.

3

The program is only available for individual home purchases/sales in the contiguous US, Alaska, and Hawaii, excluding Iowa and all employer-sponsored relocations. You are not required to receive financing through Navy Federal Credit Union in order to receive the benefits of this program.  The cash back is only available with the purchase or sale of your home through the use of a program-referred and approved real estate agent, and is offered in most states, with the exception of Iowa, Alaska, and Oklahoma, and is not available in certain transactions with restricted agent commissions (including many new constructions, For Sale by Owner, or For Sale by iBuyer transactions). Your assigned agent can help you identify any transactions where the cash back would not be available. The amount of your cash back depends on the value of the property you are buying or selling. Obtaining the full $9,000 cash back requires transacting in a property valued at $3 million or greater.  To calculate your potential cash back amount, please visit the RealtyPlus website: https://navyfederalrealtyplus.com/. The cash back offer is limited to one cash back per property with no limit on the number 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. In Kansas and Tennessee, a MasterCard MAX gift card will be issued with preloaded points that are ready for spending at specified retail establishments after closing. State regulations in Kansas limit the dollar amounts and the type of incentive. In Mississippi, New Jersey, and Oregon, a commission reduction may be available at closing in lieu of cash back. Please check with the program coordinator for details. All real estate commissions are negotiable. Contact RealtyPlus for terms and conditions. Seller listing fees apply. This program is offered, in part, by Anywhere Leads Inc., which may receive a co-operative brokerage fee as a result of a referral to any affiliated real estate companies, including Better Homes and Gardens® Real Estate, Coldwell Banker®, Century 21®, ERA® Real Estate, and Corcoran. Program terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply. This is an advertisement and not a solicitation for agent representation if your property is currently listed with an agent. Anywhere Leads Inc., 175 Park Avenue, Madison, NJ 07940. Licensed broker in the state of Texas. Broker license #9009191. 

4

A VA loan of $300,000 for 15 years at 5.625% interest and 6.365% APR will have a monthly payment of $2,471.
A fixed-rate loan of $300,000 for 15 years at 5.875% interest and 6.071% APR will have a monthly payment of $2,511.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. For primary residences and second homes only. If you have less than your VA home loan entitlement, limitations to your loan amount may apply. This rate offer is effective 02/28/2024 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 the interest rate. Many of these programs carry discount points, which may impact your rate.