Homeownership:

Where Are You in Your Journey?

  • I'm Learning

    Find everything you need to know about the mortgage process, understand unfamiliar terms and know what to expect after move-in.

  • I'm Preparing

    Get everything in order before you apply. Calculate how much you can afford, know the current rates and find a real estate agent.

  • I'm Ready to Apply

    Start here if you’re ready to buy or refinance. Get pre-approved, upload your documents and check your application status.

Learn

Find out what to expect along your home-buying journey.

The Mortgage Process

From getting pre-approved to closing on your new loan, we’ve broken down the process to make it easier.

Learn more about the mortgage process

Home Loan Pre-Approvals

A pre-approval lets sellers know you’re a serious buyer and gives you more negotiating power when it comes time to make an offer.

Learn more about home loan preapprovals

Prepare

Get everything in order before you apply.

Payment Calculator

Estimate your costs by finding out what your monthly mortgage payment will be.

Learn more about our mortgage calculator

Mortgage Rates & Loan Options

No matter what your circumstances are, we have the right home loan for you.

Learn more about our mortgage rates & loan options

RealtyPlus®

Get matched with a top real estate agent in your area and get up to $5,050 cash back. 1

Learn more about RealtyPlus

Application Checklist

Find out what documents and information you'll need to apply.

Learn more about the mortgage application checklist

Apply

Are you buying a home or refinancing the one you have? Get started here.

Buy a Home

Start by answering a few simple questions, and we’ll suggest a loan that’s right for you.

Get Started on your mortgage loan application

Refinance

Refinance your current mortgage with Navy Federal, and you could qualify for lower payments and better rates.

Learn more about refinancing your mortgage loan

Disclosures

1 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.