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A smooth, easy, and convenient mortgage process.

Just as important as finding the right home is finding the right mortgage to suit your needs. And even more important is your budget. At Navy Federal, we work hard to offer the best choice of mortgages and will recommend the best one for you.

Special Loan Features

Freedom Lock1

Enjoy the freedom to re-lock your rate. If rates go up, your rate stays the same. If rates go down, you’ll have a chance to re-lock within 60 days at the lower rate at no cost to you.

Loans with No Down Payment2

Get into your dream home without having to wait years to save. Navy Federal has mortgage options that don’t require money down.

No PMI Required

Navy Federal has loan options that don’t require PMI even if your down payment is less than 20%.

Your Financing Team

  • RealtyPlus Coordinator

    You will work with a personal RealtyPlus Coordinator throughout your homebuying experience to facilitate a smooth transaction and ensure that you have the best possible real estate experience.

  • Real Estate Agent

    Your qualified Real Estate Agent will work in tandem with your Home Loan Advisor to ensure a smooth mortgage and closing experience.

  • Home Loan Advisor

    Your loan advisor will offer guidance on financing your mortgage for the life of your loan with Navy Federal.

A Smooth Mortgage Process

Our Real Estate Partners**:

To get preapproved or apply for a mortgage with Navy Federal,

Visit Navy Federal or call 1-888-842-6328

to speak with a home loan advisor.


  • Freedom Lock is available for new applications on purchase loans at no additional fee, with a maximum interest rate reduction of up to 0.25%. You will have the opportunity to re-lock one time if rates improve and your loan must close within sixty (60) days of initial lock.

  • Product features subject to approval. 100% financing loans may include an additional funding fee, which may be financed up to the maximum loan amount. Available for purchase loans only.