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Navy Federal Credit Union

Mortgage Rates & Loan Options

Mortgage Options
Rates as of:
Available to eligible servicemembers and backed by the Department of Veterans Affairs (VA), this fixed-rate loan offers 100% financing options.2
Interest rate as low as1
call
APR as low as1
call
Term:
10- to 30-year
Down Payment:
0%
More Details:
Fixed rate. No Mortgage Insurance (MI). Refinance options available.
Offering eligible servicemembers easier qualification, 100% financing options and a special rate on this fixed-rate mortgage.3
Interest rate as low as1
call
APR as low as1
call
Term:
16- to 30-year
Down Payment:
0%
More Details:
Fixed Rate. No PMI. Refinance options available.
Fixed rate. No PMI. Refinance and jumbo options available.
Interest rate as low as1
call
APR as low as1
call
Term:
10- to 30-year
Down Payment:
5% minimum
More Details:
Fixed rate. No PMI. Refinance and jumbo loan options available.
A great option for first-time homebuyers, these fixed-rate loans have 100% financing options, meaning no down payment is required.3
Interest rate as low as1
call
APR as low as1
call
Term:
10- to 30-year
Down Payment:
0%
More Details:
Fixed rate. No PMI. Refinance options available.
Insured by the Federal Housing Administration (FHA) and ideal for first-time homebuyers seeking a low down payment.4
Interest rate as low as1
call
APR as low as1
call
Term:
10- and 30-year fixed, 30-year (ARM)
Down Payment:
3.5% minimum
More Details:
Fixed and adjustable rate. Refinance options available.
Another popular choice, these loans begin with a fixed interest rate for the initial term and then adjust according to an index.
Interest rate as low as1
call
APR as low as1
call
Term:
10- to 30-year
Down Payment:
0-10% minimum
More Details:
Adjustable rate. No PMI for many loans. Jumbo, conforming and interest-only options available. Refinance options available.
Available as both fixed and adjustable rate, these loans can be used for both primary and second homes.
Contact us for rates on Interest-Only mortgages
Term:
30-year
Down Payment:
20% minimum
More Details:
No PMI. Refinance options available.
 
Interest Rate
as Low as1
APR
as Low as1
Amortization Terms
Minimum
Down Payment
Fixed/
Adjustable
Military Only
PMI/UMIP
Required2
Refinancing
Second Home
Investment
Property
 
call
10- to 30-year
0%
Fixed
No
call
16- to 30-year
0%
Fixed
No
call
10- to 30-year
5%
Fixed
No
call
10- to 30-year
0%
Fixed
No
call
10- to 30-year (Fixed)
30-year (ARM)
3.5%
Both
Yes
call
10- to 30-year
0-10%
Adjustable
Varies by
Product
Contact us for rates on Interest-Only mortgages
Contact us for APRs on Interest-Only mortgages
30-year
20%
Both
No
More Mortgage Options

We can help you decide if now is the best time to refinance your home, and when you're ready, we'll find the right loan for your needs.

Whether you prefer the beach, the mountains or a quaint country town, you can own a vacation home of your very own with a Second Home mortgage from Navy Federal.

In the market for a rental property to start or add to your real estate portfolio? We have great financing options on mortgages for qualifying residential properties.

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.

1Rates are based on evaluation of credit history, loan-to-value, and loan term, so your rate may differ. Rates subject to change at any time. Rates quoted above require a loan origination fee. The loan origination fee may be waived for a 0.25% rate increase. Many of these programs carry discount points which may impact your rate.

2100% financing loans include an additional funding fee, which may be financed up to the maximum loan amount. Product features are subject to approval. Available for purchase loans only.

3All Choice loans rates quoted above require a 1.00% loan origination fee. The origination fee may be waived for a 0.25% increase in the interest rate. All Choice loans are subject to a funding fee of 1.75% of the loan amount. This funding fee can be financed into the loan up to a maximum of 101.75% LTV. Purchase loans require no down payment. LTV restrictions apply to refinance loans.

4Federal Housing Administration (FHA) loans require a minimum of 3.5% down payment. FHA loans are subject to an up-front mortgage insurance premium of 1.75% of the loan amount, in addition to a monthly mortgage insurance premium, depending on the loan term and loan-to-value (LTV).