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Where Are You in Your Journey?

  • I'm Learning

    Find everything you need to know about the mortgage process, understand unfamiliar terms and know what to expect after move-in.

  • I'm Preparing

    Get everything in order before you apply. Calculate how much you can afford, know the current rates and find a real estate agent.

  • I'm Ready to Apply

    Start here if you’re ready to buy or refinance. Get pre-approved, upload your documents and check your application status.


Find out what to expect along your home-buying journey.

The Mortgage Process

From getting pre-approved to closing on your new loan, we’ve broken down the process to make it easier.

Learn more about the mortgage process

Home Loan Pre-Approvals

A pre-approval lets sellers know you’re a serious buyer and gives you more negotiating power when it comes time to make an offer.

Learn more about home loan preapprovals


Get everything in order before you apply.

Payment Calculator

Estimate your costs by finding out what your monthly mortgage payment will be.

Learn more about our mortgage calculator

Mortgage Rates & Loan Options

No matter what your circumstances are, we have the right home loan for you.

Learn more about our mortgage rates & loan options


Work with a top real estate agent in your area and get $400 to $9,000 cash back.1

Learn more about RealtyPlus

Application Checklist

Find out what documents and information you'll need to apply.

Learn more about the mortgage application checklist


Are you buying a home or refinancing the one you have? Get started here.

Buy a Home

Start by answering a few simple questions, and we’ll suggest a loan that’s right for you.

Get Started on your mortgage loan application


Refinance your current mortgage with Navy Federal, and you could qualify for lower payments and better rates.

Learn more about refinancing your mortgage loan



The cash-back bonus is offered in most states and is available for individual sales and purchases of property; offer limited to one cash-back bonus per property with no limit on the amount 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 bonus. The program is not available in IA or outside the U.S. Cash-back bonus is not available in AK or OK. In KS and TN, a gift card will be issued with preloaded points that are ready for spending at specified retail establishments after closing. State regulations in KS limit the dollar amounts and the type of incentive. In MS, NJ, and OR, a commission reduction may be available at closing. Please check with the program coordinator for details. This is not a solicitation if you are already represented by a real estate broker. The cash-back bonus is only available with the purchase or sale of your home through the use of a program-referred and -approved real estate agent. The size of your cash-back award depends on the value of the property you are buying or selling. Obtaining the full $9,000 cash-back award requires transacting in a property valued at $3 million or greater. To calculate the size of your potential cash back, please visit the RealtyPlus website: All real estate transactions are negotiable. Contact RealtyPlus for terms and conditions. Standard listing fees apply. The program award is not available in certain transactions with restricted agent commissions (including many new construction, For Sale by Owner, or For Sale by iBuyer transactions). Your assigned agent can help you identify any transactions where the award would not be available. This program is offered, in part, by Realogy Lead Management Services, Inc. d/b/a Realogy Leads Group (RLG). RLG may receive a co-operative brokerage fee as a result of a referral to the real estate companies listed above. Program terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.