VA Loans

Navy Federal Credit Union was a top 5 VA Lender by overall volume and total loan amount in 2025 by VA. 

Rates displayed are "as low as" and effective 07/24/2025 for purchase, refinance loans, and VA IRRRL and require a 1.00% loan origination fee, which may be waived for a 0.25% increase in the interest rate. Displayed rates include discount points. Rates are subject to change. All VA rules, guidelines, and additional program requirements will apply. All loans subject to approval. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.

A VA loan of $300,000 for 30 years at 5.750% interest and 6.223% APR will result in a monthly payment of $1,750. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Includes a 1.00% loan origination fee, which may be waived for a 0.25% increase in the interest rate. Discount points are included. Occupancy restriction applies. All loans subject to credit approval.

A VA loan of $300,000 for 15 years at 5.125% interest and 5.813% APR will result in a monthly payment of $2,391. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Includes a 1.00% loan origination fee, which may be waived for a 0.25% increase in the interest rate. Discount points are included. Occupancy restriction applies. All loans subject to credit approval.

100% financing subject to all VA rules, guidelines, and additional program requirements. All loans subject to approval. VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.

Customer satisfaction claims are based on 2021 Anywhere Leads Inc.’s surveys of customers who bought or sold a home using a program serviced by an Anywhere Leads Network agent or using an Anywhere Leads Network agent.

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. 

The views expressed in the Trustpilot 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.