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You Find the Home, We'll Provide the Loan

From great rates to first-class service, Navy Federal will help your buyers find the right mortgage to fit their needs.

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 make homeownership a reality.

Rate Match Guarantee

We’ll match or beat a competitor’s pricing on the same product or offer your buyers up to $1,000 back.1

Freedom Lock2

Our Freedom Rate Lock guarantee offers extended rate lock options up to a maximum of 360 days with standard 30-day lock extensions.

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.

Current Processing Times

Our typical processing times, from when a member submits a contract to closing, is 30 days.

Easy Online Application

Your clients can stay on track with personalized step-by-step guidance led by their home loan advisor.

Learn More about applying for a home loan

Questions? Call us at 877-573-2324.

(Press 1 for First Mortgage Loans, then 2 for Realtors.)

Navy Federal Mortgage Industry Awards

  • Top 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

Co-Marketing Opportunities

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

You’ll have the opportunity to make guest appearances at our regular homebuyer seminars and other events with our members. Currently, we have 11 million members, and that number continues to grow.

Rates & Loans Options

VA Loans

Interest as Low As 4.125%

APR as Low As 4.794%

Conventional Fixed Rate

Interest as Low As 4.125%

APR as Low As 4.350%



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.


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 $300,000 for 15 years at 4.125% interest and 4.794% APR will have a monthly payment of $2,237.
A fixed-rate loan of $300,000 for 15 years at 4.125% interest and 4.350% APR will have a monthly payment of $2,237.
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. This rate offer is effective 08/17/2022 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.