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Everything You Need to Buy a Home

A faster, easier path to homeownership is all right here.

De-stress your next address with our Home Buying Center.

From start to finish, we're here to guide you home with amazing products and services that will get you to closing with confidence. 

On Average, Our Members Save $3,500 With These One-of-a-Kind Options1

Loan Options With No Down Payment2

With our $0 down payment options, you can buy a home now without waiting years to save.

Learn More about No Down Payment Options

No Private Mortgage Insurance Required

You won't have to pay PMI on a Navy Federal mortgage, which helps you save on your monthly payment.

Rate Drop Without a Refi3

With our no-refi rate drop, you get rate drop assurance. If mortgage rates go down after you close on your home, you can lower your rate for just $250 and save thousands in closing costs - without refinancing.

Learn More about No Refi Rate Drop

Special Freedom Lock4

Enjoy the freedom to relock your mortgage rate up to 2 times. If rates go up, your rate stays the same. If rates go down, you'll have a chance to relock at the lower rate within 7 days of closing at no cost to you.


Guaranteed Rate Match5

Shop with confidence! With our Rate Match Guarantee, if you find a better rate with another lender, we'll match it or give you $1,000.

Lock and Shop6

Lock in your interest rate for up to 60 days while you shop for a home and then up to another 60 days after you submit a Purchase Agreement. All you need to get started is a Verified Preapproval.

Learn More about Lock and Shop

Start Strong With a Verified Preapproval

A Verified Preapproval gives you buying power as you shop for a home. It lets sellers know that Navy Federal has already verified your finances, including your income, credit and asset information.

Get Started with a Verified Preapproval

Find a Real Estate Agent

Use RealtyPlus® to choose a top-performing real estate agent in your area and earn cash back, too.7

Learn More about finding a real estate agent

HomeSquad Will Guide You

HomeSquad is your personalized loan hub, where you can apply for a mortgage and complete the home loan process. You'll get step-by-step guidance and the option to track your loan status 24/7.

Learn More about HomeSquad

Close Your Loan Conveniently

You can save time with a Remote Online Notary (RON) eClosing or a Hybrid eClosing, which allows you to sign key documents from the comfort of your home ahead of time. Navy Federal Title Services can help you take the stress out of closing on your home.

Learn Moreabout eClosings

Enjoy Dedicated Service From Us!

Our best-in-class service doesn't end at closing. We'll be with you as long as you have your loan with us, providing the same first-class assistance you've come to expect. See how we performed in the J.D. Power 2023 U.S. Mortgage Servicer Satisfaction Study!

Learn More about the JD Power Mortgage Study

See What Our Members Have to Say

"Incredible experience with the NFCU mortgage team. They are available, exceptional, and willing to help at every stage."8

-Navy Federal Member Rob




Average savings calculation based (1) on an internal analysis of 2022 Navy Federal Credit Union 30-year fixed mortgage rates, fees and points and comparable rates, fees and points as published by Freddie Mac (see on a $330,000 home loan; and (2) an estimate of the annual cost of PMI on a $330,000 conventional mortgage loan with an LTV above 80%.


Product features subject to approval. Occupancy restriction applies. Subject to funding fee, which may be financed up to the maximum allowed loan amount. Conventional loans: 100% financing available for purchase loans only. VA loans: 100% financing subject to all VA program requirements. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.


(a) To be eligible to exercise the no-refi rate drop (Rate Reduction) option and receive a reduction to the interest rate on your loan, you must meet all of the following criteria:

(1) Your loan is one of the following fixed-rate mortgage loan products: Homebuyers Choice, Military Choice, or 15- and 30-year Jumbo Fixed loans (collectively, “Covered Loan Products”) with Navy Federal Credit Union. Cash-out refinance transactions, however, are not eligible for the no-refi rate drop option.

(2) (A) You must contact us and request to exercise the no-refi rate drop option; (B) the reduced interest rate for your loan must be at least 0.25% lower than your existing rate when you request to exercise the no-refi rate drop option; (C) your loan must be current with no more than one monthly payment, which includes principal, interest, taxes, and insurance, that has been 30 days late or more within the last 6 months of your request; (D) you have made at least 6 consecutive monthly payments, which includes principal, interest, taxes, and insurance, on your loan since closing or the last time you exercised your no-refi rate drop option; (E) you do not have an active bankruptcy case pending or you have not filed for bankruptcy protection within 6 months prior to your request; (F) your loan is not in an active loss mitigation option, process, or consideration; and (G) you continue to own the property, notwithstanding successor-in-interest exceptions.

(b) You must pay a $250.00 fee each time that the no-refi rate drop option is exercised. There is no limit on the number of times the no-refi rate drop option can be exercised if all applicable criteria are met each time.

(c) Exercising the no-refi rate drop option will permanently reduce your interest rate, as well as the remaining principal and interest payments on your loan but will not modify any other terms contained in your loan documents, including the principal balance, maturity date, and additional amounts due for escrows as part of your monthly Periodic Payment under your Security Instrument.

(d) RATES AND TERMS ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE. To exercise the no-refi rate drop option, you must contact Navy Federal. You are solely responsible for monitoring Navy Federal’s available rates and determining when to exercise the no-refi rate drop option, subject to the eligibility criteria identified above. Contact Navy Federal at 1-703-255-8665, Option 1, to check your eligibility and current rates. Navy Federal will only reduce the interest rate of a Covered Loan Product under the no-refi rate drop option if all applicable criteria are satisfied at time of your request to exercise the option. These terms and conditions do not constitute a commitment to lend, nor a guarantee that you will be approved for a mortgage loan from Navy Federal Credit Union.

(e) Choice loan products require a 1.00% origination fee, which may be waived for a 0.25% increase in the interest rate; are subject to a funding fee of 1.75% of the loan amount; and the funding fee can be financed into the loan up to a maximum of 101.75% LTV, or the fee can be waived for a 0.375% increase in the interest rate. Purchase loans require no down payment. LTV restrictions apply to refinance loans. To be eligible for a Military Choice loan, at least one borrower must be Active Duty, reservist, or a Veteran.

(f) Payment examples:

A Military Choice loan of $300,000 for 30 years at 6.750% interest and 7.076% APR will have a monthly payment of $1,945. A Jumbo Military Choice loan of $800,000 for 30 years at 7.125% interest and 7.458% APR will have a monthly payment of $5,389. Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval. Jumbo Military Choice loans are loan amounts above $766,550 up to $1,000,000. 

A Homebuyers Choice loan of $300,000 for 30 years at 6.875% interest and 7.203% APR will have a monthly payment of $1,970. A Jumbo Homebuyers Choice loan of $800,000 for 30 years at 7.250% interest and 7.586% APR will have a monthly payment of $5,457. Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval. Jumbo Homebuyers Choice loans are loan amounts above $766,550 up to $1,000,000. 

A Jumbo Fixed loan of $800,000 for 30 years at 6.500% interest and 6.646% APR will have a monthly payment of $5,056. Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval. Loans over a certain amount are called jumbo loans. In most states, mortgage loans greater than $766,550 are jumbo loans. In AK and HI, any loan over $1,149,825 is considered a jumbo loan.


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.


Guarantee to receive rate match only applicable if all conditions are met. Available for purchase and refinance first mortgages. Certain product exclusions may apply. Loans utilizing the Lock and Shop program are not eligible. 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.


The Lock and Shop option is available for purchase transactions under the Verified Preapproval Loan (VPAL) program. It allows members to lock their rate while they shop for a property for a fee of 0.125% in rate. Members have 60 calendar days to secure a ratified sales contract, plus 60 additional calendar days for Navy Federal to process and close their loan (total 120-day lock commitment). In the event the VPAL expires or a ratified contract is not secured within the first 60 days, whichever happens first, the lock will become void and the loan will revert to float status, subject to standard rate lock policies. If rates improve after a ratified sales contract is secured, members are eligible for a one-time re-lock with a maximum interest rate reduction of up to 0.500% at no additional cost.


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: 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. 


The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.