Navy Federal Credit Union

Save on Your First Home With First-Time Homebuyer Plus

We know purchasing your first home is a big deal. That's why we offer personalized service and guidance every step of the way—from first call to closing. And for a limited time, you can save even more with special incentives for first-time homebuyers! You'll get extra savings on top of our 100% financing and super-low rates.

First-Time Homebuyer Plus includes:

  • No application fee
  • No down payment required* and up to 6% seller contribution allowed
  • Get up to $5,050 cash back when you buy with RealtyPlus®1
  • Rate match2—if you find a better rate somewhere else, we'll match it! If we can't, we'll pay you $1,000!

Plus, our trusted mortgage specialists will help you:

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*Product features subject to approval. 100% financing loans include an additional funding fee, which may be financed up to the maximum loan amount. Available for purchase loans only.
1 Cash back from $400 to $5,050 is available in most states. You must register with RealtyPlus before contracting a real estate agent and be represented by the assigned RealtyPlus real estate firm at closing to qualify. Contact RealtyPlus for terms and conditions.
2 Special offer 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 for this offer. Loan Estimate from competing lender must be dated and received within three calendar days of locking your interest rate at Navy Federal. Please note that other documentation used to show competitors' terms will not qualify for offer. 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. To receive $1,000, you must provide a signed, executed copy of the final Closing Disclosure and a copy of the mortgage note within 30 calendar days of your loan closing with the original competing lender. Offer 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.

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