Special Offer: Mortgage Rate Match

If you can find a better mortgage rate, we'll match it!

To find the best mortgage loan for you, or to get started on your application, just sign in to Account Access, then select "Mortgage Loan Application" under the "Account Services" tab. For mortgage application questions, please call 1-888-842-6328 to speak with a specialist.

Get Startedon your mortgage application

At Navy Federal Credit Union, we strive to offer our members competitive mortgage rates to save you the hassle of rate-shopping. If you do find a better rate for your home purchase or refinance, we'll match it!1 And if we can't, we'll give you $1,000 after closing.

View Mortgage Options and Rates

1Guarantee 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 competitor's 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.