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Together, We Can Lead Your Clients Home

Together, We Can Lead Your Clients Home

Let's team up and help your buyers find the financial solutions they need.

You Find the Home, We'll Provide the Loan

As a real estate agent, you work hard to find your buyers the right home. We're here to help them with the right loan. With great rates and first-class service, Navy Federal will help your buyers find the mortgage to fit their needs. We're an award-winning credit union with more than 13 million 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 make homeownership a reality.

Rate Match Guarantee

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

 

Connect Your Buyers With the Right Loan Products

For qualified buyers who are already using their VA loan benefit, our Military Choice loan offers similar benefits. If your client is looking for the stability of a fixed rate, our Homebuyers Choice loan could fit the bill. Both of these conventional loan options offer 100% financing and no PMI.3

No down payment needed4

Your buyer could get into a home without saving for years.

No PMI required

Your buyer could have a lower monthly payment. 

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%


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

Is Your Homebuyer Eligible for Membership?

Navy Federal is open to all 6 branches of the armed forces, the DoD, Veterans and their family members.

Learn More about Navy Federal membership

Partnership Opportunities

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

You could have the opportunity to make guest appearances at our regular member education sessions and other events with our members. Currently, we have 13 million members, and that number continues to grow.

If you're interested, contact your local business development officer.


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

See What Our Partners Have to Say6

"Navy Federal made this transaction a breeze! They clearly communicated with all parties involved and kept everyone updated throughout the entire process. It was easy getting in touch with them and they always promptly returned my calls." - Real Estate Agent Amanda D. 

"I have partnered with NFCU representing clients for 10 years and I have found that through each transaction the process is professional everytime!" - Real Estate Agent Wendy C. 

"My client needed a 30-day closing. Navy Federal came through with their knowledge and efficiency so that our transaction ran smoothly and closed on time." - Real Estate Agent Kim Y. 

 


Looking to Connect With Our Mortgage Experts?

Our business development officers are here to help you guide your buyers to the right product. 

MARYLAND

Freida Beckett
freida_beckett@navyfederal.org
240-222-2280

Anthony Lewis
anthony_lewis@navyfederal.org
703-939-5469

KENTUCKY, TENNESSEE

Jennifer Ayalon
jennifer_ayalon@navyfederal.org
629-215-2218

NORTH CAROLINA (Southern PArt of STATe)

Alissa Applegate
alissa_applegate@navyfederal.org
910-366-5441

NORTH CAROLINA (NORTHERN PART oF STATE)

Amanda Timmerman
amanda_timmerman@navyfederal.org
252-515-2747

NORTHERN VIRGINIA

Brittany Robinson
brittany_n_robinson@navyfederal.org
540-270-6638

SOUTHERN VIRGINIA

Roger Strecker
roger_w_strecker@navyfederal.org
757-364-6634

Idaho, Iowa, Minnesota, North Dakota, South Dakota, Montana, Wyoming, Nebraska, Missouri, Kansas

Shaleah Argeris
shaleah_argeris@navyfederal.org
850-530-8930

ALABAMA, NORTHWEST FLORIDA, MISSISSIPPI

Terra Ritchie
terra_ritchie@navyfederal.org
850-572-0557

Atlanta, GA

Venezia Jackson
venezia_jackson@navyfederal.org
850-382-7007

NORTHEAST FLORIDA

Megan Roberson
megan_roberson@navyfederal.org
904-200-1898

SOUTHEAST FLORIDA

Kimberly Nasi
kimberly_nasi@navyfederal.org
407-457-6648

TAMPA, ORLando & Sarasota, FL

Christine DeLoach
christine_deloach@navyfederal.org
813-614-3333

RICHMOND COUNTY, GA & RICHLAND COUNTY, SC

Daniel Dudley
daniel_l_dudley@navyfederal.org
706-945-8139

SaVANNAH, BRUNSWICK, ST.MARYS, WEST/SOUTH ATLANTA, GA

Michelle Keener
michelle_keener@navyfederal.org
912-322-5200

 
DALLAS, TX

Mark Alexander
mark_alexander@navyfederal.org
469-243-5788

HOUSTON, TX

David Santana
david_santana@navyfederal.org
281-881-7787

SAN ANTONIO, AUSTIN, KILLEEN & WACO, TX

Michelle Rocha
michelle_rocha@navyfederal.org
245-658-0181

OKLAHOMA, ARKANSaS, LOUISIANA

Joseph Murdock
joseph_murdock@navyfederal.org
850-426-5375

ARIZONA

Tara Flinn
tara_flinn@navyfederal.org
480-622-8390

COLORADO, NEW MEXICO, UTAH

Karin Kovalovsky
karin_p_kovalovsky@navyfederal.org
719-985-7058

Hawaii

Luana Groom
luana_groom@navyfederal.org
808-265-3615

Orange County, KERN COUNTY, CA/VENTURA, CA

Megan Ficke
megan_r_ficke@navyfederal.org
949-441-9911

San Diego, CA

Karen Campbell
karen_campbell@navyfederal.org
619-509-4783

WASHINGTON

Leslie Oliver
leslie_oliver@navyfederal.org
360-265-1575

Upcoming Real Estate Agent Events

February 2024

March 2024

Resources for Your Clients

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

All Choice loans require a 1.00% loan origination fee. The origination fee may be waived for a 0.25% increase in the interest rate. All Choice loans are subject to a funding fee of 1.75% of the loan amount. This 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. Note: To be eligible for Military Choice, at least one borrower must be Active Duty, Reservist, or a veteran.

4

Product features subject to approval. Available for purchase loans only. Loans are subject to an additional funding fee, which may be financed up to the maximum loan amount. 

5

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 02/23/2024 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.

6

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.