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  • Loan amounts and terms to meet your needs
  • Close on-time with a great rate and low fees
  • Expert help every step of the way
  • Search with HomeAdvantageTM to save BIG

Mortgage Prequalification

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  • Lower your monthly payment or interest rate
  • Pay off your mortgage faster
  • Express closing in 45 days or less1
  • Wide range of options to meet your goals 

Mortgage Refinance

Get a custom rate quote

Mortgages You'll Love

Shopping for a home? Our team is dedicated to helping you build a mortgage solution that works perfectly for your individual budget, lifestyle and goals.

We offer mortgages for primary residences, second homes or investment properties in DC, MD, NC, VA, WV, and DE (for 2nd homes only).

New Year special – apply for any NIHFCU 1st mortgage between December 2017 and February 2018 and get a full appraisal refund at closing!*

Fixed Rate Mortgages
  • Stable and predictable payments for the life of the loan
  • Terms of any length available between 10 and 30 years
  • Options with as little as 5% down on qualifying loans
Adjustable Rate Mortgages (ARM)
  • Lower rates and monthly payments for those comfortable with potential of future increases
  • Initial fixed rate periods of 3, 5 or 7 years
  • NEW check out our new 15/15 ARM
  • Options with as little as 5% down on qualifying loans
Fellows Advantage Program
  • Financing options for international fellows/trainees
  • Learn more

Call 855.203.4747 to speak to a loan officer today!

Already have an NIHFCU mortgage? Click here to manage your loan.

    
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Mortgage Loan Applicants:
to upload documents for an application, click here.

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* If the loan you apply for does not close and fund, there will be no refund.
1 Most approved applications are ready to close within 45 days if borrower and third parties provide required information to NIHFCU promptly.

Agents were very helpful, electronic system a pain

4

The loan agents were very helpful discussing options at the beginning and keeping me updated throughout the process. The electronic system was hard to work with, especially that it was not updated wuickly enough to reflect current status every step throughout the process. I would recommend NIH FCU because the rates are competitive.

ST

Bethesda MD

true

Painless Process

5

The mortgage refinance team was excellent. I was informed on what I needed to do and what to expect at every step of the process. Whenever I needed clarification on anything I got a timely response. From the time I submitted my application to the closing process, everything was done smoothly.

Lossie

Rockville, MD

true

Mortgage Refinance

5

Easy, fast, and convenient.

GG

Washington DC

true

Great Customer Service

5

My loan officers guided me through every step of the process. They provided valuable advice, managed expectations and timelines which helped all of us to stay on track. The communications were timely and effective. I highly recommend working wtih Kayla V. and Debbie Y. They are a great team!

Bay

Alexandria, VA

true

great end result, but harrowing journey

4

I used a 5/5 ARM through NIHFCU. It is a fantastic loan and only offered, as far as I can tell, through credit unions. NIHFCU beat every other commercial bank we looked at in terms of rates and fees. However, using the NIHFCU in the competitive purchasing environment of DC was little nerve-racking. At times, I felt like the response time was too slow to be competitive, and the 25 day closing was tough. In the end, we did use NIHFCU, we did close, and they did deliver the best product. So everything worked out beautifully, but a little snappier service would have saved a lot of anxiety.

Dan

DC

true

Mortgage Refinance

5

Turnaround times as promised, dilligent review of finances which was really comforting for us as members despite some annoyances at the time.

NoVa Family

Reston

true

Refinance Angel

5

The Refinance process was flawless. I was able to roll all the fees into my new 15 year loan and my new mortgage was only $200 more. Can't beat that for switching from a 30 year. Thanks!!

Dr. Michelle

Rockville

true

The most seamless mortgage-Win-win deal

5

We have only done this twice but this was the most seamless mortgage we obtained. The loan officer was very clear, honest and precise meaning no surprises. Everything she told us was exactly as was described. It took the least time to close and only one one-on-one meeting with the loan officer despite a few complications of unavailability of some documents on our part, that was ressolved in no time by the management. One of the title company that works with NIHFCU that we selected was perfect, I think they pre-screen them very well. The interest rate was perfect and we were allowed to lock for 1 month and we are now saving $700/month since we refinanced and even got over $1000 into our pockets in addition to being to paying closing costs. Did not produce a penny instead got cash money into the pockets and currently saving $700/month. I would encourage anyone to get a mortgage with NIHFCU. They are a credit union not a bank. They truly are looking after the members interest and service not fleecing them of money. Win-win relationship.

Dr. Morris

Rockville MD

true

I would buy this product again and again

5

Amazing !!!! The NIH Loan officers helped me every every stage through closing !!!

Arush

Fairfax VA

true

Aplause,for a great product performance

5

I was guided through this process from start to finish. The loan officers made me at ease and were always available via phone/email to answer questions. My experience was awesome.

Rocky

Rockville, MD

true

1

4.7 52

94.2


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