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We're Here to Guide You Home

As your mortgage partner, we'll make the home loan process a smooth experience. Our mortgage experts will help you choose the best options and get the best price for you.

Navy Federal Mortgages

Save money and have peace of mind with our special loan features.

  • Freedom Lock
    Enjoy the freedom to relock in at a lower rate. If rates go up, your rate stays the same. If rates go down, you'll have a chance to relock within 60 days at the lower rate at no cost to you.1
  • Loans With No Down Payment
    Get into your dream home now without having to wait years to save. We have mortgage options that don’t require money down.2
  • No PMI Required
    Lower your monthly mortgage payment. Ask us about loan options that don’t require Private Mortgage Insurance (PMI).
  • VA Loan Expertise
    Navy Federal is a top VA lender. We’ll help you take advantage of every benefit you’ve earned as a servicemember.
  • Rate Match Guarantee
    If you find a better rate with another lender, we’ll match it or give you $1,000.3

New! Enjoy a Smooth Mortgage Experience With HomeSquad

Fast Preapprovals, Step-by-Step Guidance and 24/7 Access to Your Loan Status

Learn More about HomeSquad

More Than Just a Mortgage

When you choose Navy Federal, you get a comprehensive mortgage program that makes the loan process faster and easier. Get your loan, real estate agent, title services and loan servicing all through us.

Close Your Loan Stress-Free

Closing on your new home is an exciting time! Depend on Navy Federal Title Services to guide you through the process.

Learn More about Navy Federal Title Services

Find a Real Estate Agent

Use RealtyPlus® to choose a top-performing real estate agent in your area and earn cash back, too. Exclusive for Navy Federal members.4

Learn More about RealtyPlus

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Best-in-Class Service

Our best-in-class service doesn’t end at closing. We stick with you through the life of your loan.



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.


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. 


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. Loan Estimate from competing lender must be dated and received within 3 calendar days of locking your interest rate at 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.


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, LA or OK. In KS and TN, a gift card with preloaded points that are ready for spending at specified retail establishments after closing will be issued. 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 $8,000 cash-back award requires transacting in a property valued at $1.75 million or greater. To calculate the size of your potential cash back, please visit 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.