Navy Federal Homecenter

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Get Pre-Approved

Being pre-approved means you've filled out a mortgage application (or you've met with a loan officer), your credit files have been reviewed, and the loan officer believes you can readily qualify for a given loan amount with one or more specific mortgage programs.

Get pre-approved and start your home search! Pre-approvals can usually be completed within one to two business days of receiving all requested documentation. So, if you feel prepared to take the next step, gather the required materials in the box below and apply. If you prefer to speak with a Member Service Representative, feel free to call 1-888-842-6328, day or night.

If you're not a member but would like to get pre-approved, find out how to become a member quickly and easily. Or, call 1-888-842-6328 to speak with a Member Service Representative.

Gather this information before starting*.

  • Navy Federal Credit Union Access Number
  • Social Security Number
  • Annual income
  • Monthly debt and living expenses
  • Estimated home price

*If you are applying with a co-applicant, please also gather this information for your co-applicant.

Complete Listing of Navy Federal Mortgage Products

Fixed-Rate Mortgages

Product Interest Rates as Low as* Discount Points APR Rates as Low as*
15 Yr Conforming 3.000% 0.500 3.218%
15 Yr Jumbo 3.000% 0.500 3.218%
30 Yr Conforming 3.625% 0.875 3.779%
30 Yr Jumbo 3.500% 0.875 3.653%
As of: ET *Read important disclosures

VA & FHA Mortgages

Product Interest Rates as Low as* Discount Points APR Rates as Low as*
15 Yr VA 2.625% 1.000 3.210%
15 Yr FHA 2.625% 1.000 3.932%
30 Yr VA 3.250% 0.500 3.535%
30 Yr FHA 3.250% 0.500 4.440%
1 Yr FHA ARM 3.875% 0.375 4.116%
3 Yr FHA ARM 4.625% 0.375 4.524%
As of: ET *Read important disclosures

Adjustable Rate Mortgages

Product Interest Rates as Low as* Discount Points APR Rates as Low as*
3/1 Conforming ARM 1.875% 0.250 3.636%
2/2 Conforming ARM 2.000% 0.250 3.698%
3/1 Jumbo ARM 2.125% 0.250 3.708%
3/5 Conforming ARM 2.375% 0.250 3.667%
3/5 Jumbo ARM 2.375% 0.250 3.667%
5/1 Conforming ARM 2.625% 0.250 3.644%
5/1 Jumbo ARM 2.625% 0.250 3.644%
5/5 Conforming ARM 2.750% 0.250 3.607%
5/5 Jumbo ARM 2.750% 0.250 3.607%
As of: ET *Read important disclosures

100% Financing Mortgages

Product Interest Rates as Low as* Discount Points APR Rates as Low as*
15 Yr HomeBuyers Choice 4.000% 0.500 4.491%
15 Yr Jumbo HomeBuyers Choice 4.125% 0.500 4.618%
30 Yr HomeBuyers Choice 4.625% 0.500 4.911%
30 Yr Jumbo HomeBuyers Choice 4.750% 0.500 5.038%
30 Yr Jumbo Military Choice 4.625% 0.500 4.911%
30 Yr Military Choice 4.500% 0.500 4.784%
As of: ET *Read important disclosures