Mortgage Process

Navigating Home Loans

Make sense of the mortgage process before you purchase.

Whether you're in the market to find a starter home or to upgrade or downsize from your current house, take time to familiarize yourself with the mortgage process before you start shopping.

  1. Do the Research

    Get a solid grasp on the terms and processes of buying a home. Take the time to understand the lingo and create a budget.

  2. Prepare the Paperwork

    Get all the necessary documents like work history and income details together before applying for pre-approval to help expedite the process.

  3. Get Pre Approved

    Apply for pre approval for your loan. Make sure you get pre approved for a loan before you start looking at homes so you're better prepared to make a purchase. When you apply, you'll be assigned a loan officer who will help you select the right loan for your needs.

  4. Find a Realtor

    Seek out a realtor who is familiar with the area you're looking to buy in and who can help you prioritize your search and visit homes that match your desires and budget.

  5. Search for a Home

    You're officially ready to hit the pavement in search of the perfect home. Narrow down your search by cost, location and other desired amenities.

  6. Make an Offer

    When you find a home you want to buy, submit an offer. Your first offer may not be accepted, and you may have to negotiate.

  7. Obtain Title Insurance

    Title insurance is required by your lender and guarantees your property title is free of “hidden” liens, hazards or human errors. You can purchase a policy from Navy Federal Title Services.

  8. Finalize the Loan

    If your offer is accepted, your Loan Officer will work to finalize your loan. Be prepared with the required documentation ahead of time.

  9. Closing

    At this point, the sale is complete, and the seller turns over the property title. There are fees associated with closing. Work with your Realtor to manage your costs.

Visit MakingCents for clear, step-by-step information on the home-buying process.


Get the information you need on the home-buying process.

Get started and explore your rate options now. Call us at 1-888-842-6328. Or sign in to your account to apply now.

Included with All Navy Federal Mortgages

  • Nationwide availability
  • Personal guidance from first call to closing
  • Navy Federal servicing for the life of your loan

For questions, call us at 1-888-842-6328.