Submit Your Application
Sign in to online banking with your Navy Federal username and password. Select “Refinancing my mortgage” and follow the steps to submit your application.
Gather Key Documents
- W2s, 1099s and other tax documents
- asset statements (checking, savings, retirement accounts, etc.)
- debt statements (mortgage, auto loans, credit cards, etc.)
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.
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.
Get Final Approval
After you’ve submitted all the required documents, it typically takes 30 to 40 days to get final approval and close on your loan. Your loan officer will contact you when your loan is approved.
On closing day, you’ll visit the title office to sign your closing documents. Soon after, we’ll mail you loan-payment information. For convenient payment options, visit our resources page.