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6 Steps to Refinancing Your Mortgage

Are you ready to refinance your home loan? We're here to guide you through the process. The following information will help you get started.

  1. Step 1

    Submit Your Application

    Sign in to online banking with your Navy Federal username and password. Select “I want to refinance my home” and follow the steps to submit your application.

    Ready to start on your mortgage finance application? Apply here.

  2. Step 2

    Gather Key Documents

    When you apply for your loan, you’ll be able to upload key documents to verify your income, assets, debts and other information. Having these documents on hand will make the process faster and easier. Documents may include:

    • W2s, 1099s and other tax documents
    • paystubs
    • asset statements (checking, savings, retirement accounts, etc.)
    • debt statements (mortgage, auto loans, credit cards, etc.)
  3. Step 3

    Receive Your Loan Estimate

    Within 3 days of submitting your application, we’ll send you a Loan Estimate that provides important information about your loan, including the estimated interest rate, your monthly payment estimate and expected closing costs. After you review it, call or email your loan officer within 10 days to confirm that you’d like to proceed with your application.

  4. Step 4

    Get Your Home Appraised

    From there, if required, Navy Federal will arrange for an appraiser. We’ll give you a copy of the approved appraisal report after it’s completed.

  5. Step 5

    Get Final Approval

    After you’ve submitted all the required documents, it typically takes 60 to 75 days to get final approval and close on your loan. Your loan officer will contact you when your loan is approved.

  6. Step 6

    Attend Closing

    On closing day, you’ll sign your closing documents. Soon after, we’ll mail you loan-payment information. For convenient payment options, visit our resources page.

Ready to get started?

Apply Now