Navy Federal Credit Union
Navy Federal Credit Union

Save on Your First Home With First-Time Homebuyer Plus1

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, seven days a week. 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®2
  • $200 Visa® Prepaid Loyalty Card after closing
  • Rate match3—if you find a better rate somewhere else, we'll match it! If we can't, we'll pay you $250!

Plus, our trusted mortgage specialists will help you:

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1 Limited-time offer. Available for new applications on first mortgage purchase loans only. Certain product exclusions may apply. The Visa Prepaid Loyalty Card will be mailed to you within 6 weeks after your loan closes with Navy Federal. One offer per household.
2 Cash back from $400 to $5,050 is available in most states. You must register with RealtyPlus before contacting a real estate agent and be represented by the assigned RealtyPlus real estate firm at closing to qualify. Contact RealtyPlus for terms and conditions.
3 Limited-time offer available for purchase and refinance first mortgages. Certain product exclusions may apply. Good Faith Estimate (GFE) and Truth in Lending Disclosure (TIL) from competing lender must be dated and received within 3 calendar days of locking interest rate at Navy Federal. The terms of the competing loan must be identical to Navy Federal's loan. If the loan does not close within the commitment period, the rate match may be voided. To receive $250, member must provide a signed, executed copy of the final HUD-1 Settlement Statement and a copy of the mortgage note within 30 calendar days of loan closing with another lender. Offer not valid if original loan terms or conditions change prior to closing. Once approved, $250 will be automatically deposited into member's Navy Federal account within 30 calendar days of receiving the necessary documentation.

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Rates and Terms

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Exclusive Offers

  • Mortgages5/5 ARM as low as+
    3.484%APR
  • Auto Loansas low as+
    1.49%APR
  • Certificatesas high as
    3.00%APY
  • Checkingas high as
    0.45%APY
  • Credit Cardsas low as++
    7.99%APR
  • More Rates