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  • First-Time Homebuyer

    The Keys to Getting Your First Home

    Unlock your dream home with special
    savings for the first-time buyer.

    The thought of buying a home can be overwhelming for anyone, particularly for first-time buyers. Navy Federal Credit Union’s staff of trained mortgage professionals is here every step of the way to guide you through the process. Our special offers, low rates and no-money-down mortgages can get you in your first home for less.

    We’ve bundled together the best options to help simplify the process and save you money with our First-Time Homebuyer package. Take advantage of 100% financing options 1 with our fixed- and adjustable-rate mortgage options.

    • No down payment necessary
    • Free real estate assistance and up to $5,050 back after closing with RealtyPlus 2
    • No Private Mortgage Insurance (PMI) on many loans, saving you hundreds in monthly payments
    • Free Rate Float/Lock options allowing you to lock in an interest rate at contract and lower it if rates drop prior to closing
    • Rate match 3 if you find a better rate somewhere else, we’ll match it! If we can’t,
      we’ll pay you $1,000!

    Choosing a Mortgage

    Wondering what the best loan option is for you? Here are a few key things to consider:

    1 Product features subject to approval. Available for purchase loans only. Loans are subject to additional funding fee which may be financed up to max loan amount.

    2 Cash back from $400 to $5,050 is available in most states. You must register with RealtyPlus before contracting a real estate agent and be represented by the assigned RealtyPlus real estate firm at closing to qualify. Standard listing fees apply. Contact RealtyPlus for terms and conditions.

    3 Special offer 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 for this offer. 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 other documentation used to show competitors terms will not qualify for offer. 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 mortgage note within 30 calendar days of your loan closing with the original competing lender. Offer 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.

    Since 1933, Navy Federal Credit Union has grown from seven members to over 6 million members. And since that time, our vision statement has remained focused on serving our unique field of membership:

    Be the most preferred and trusted financial institution serving the military and their families.

    About Navy Federal

    More Ways to Find Us

    Equal Housing Lender | Important Information About Opening a New Account | APY = Annual Percentage Yield | APR = Annual Percentage Rate
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    + Rates are based on an evaluation of credit history, so your rate may differ.

    ++ Rates are variable and based on an evaluation of credit history, so your rate may differ.

    *Message and data rates may apply. Terms and Conditions are available.

    USA PATRIOT Act Information

    To help fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including joint owners.

    What This Means For You
    When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you.


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