Checking & Savings

Checking Savings Investments

Borrowing

Vehicle Loans Credit Cards Mortgages Home Equity Student Loans Personal Loans Niche Loans Protection Programs Fellows Advantage Skip-A-Payment Business Loans

Digital Banking

Mobile Banking Mobile Payments Move or Send Money Online Banking Money Management Telephone Banking

Resources

Resources Insurance Programs Community Engagement Membership Security Center Careers Contact Social
color-dots

Expert care for your homeownership needs

The NIH Federal Credit Union offers a wide range of member-friendly mortgages to meet any budget, lifestyle and goal.

color-dots

Select the mortgage that’s right for you.

Mortgages are complex transactions, but our friendly and no-pressure mortgage experts make it easy. The NIHFCU offers mortgages for primary residences, second homes and investment properties in DC, MD, NC, VA, WV and DE (2nd homes only). Whatever your need, be sure to get your no-obligation pre-approval from us before you shop. It will help you understand what you can afford and increase your negotiating power.

Take a look at our expansive mortgage programs below and call 1-855-203-4747 to speak to one of our mortgage experts. You can also visit our Home loan center to learn more about the home buying process

Speak to an expert
1-855-852-4748
color-dots

Fixed or adjustable?

Fixed mortgages maintain the same rate and monthly payment over the life of the loan for those who desire predictability and payment stability. Visit our rates page for all available rates and terms.

  • Select a term of 10, 15, 20 or 30 years

  • No NIHFCU lender fees

  • Loan amounts up to $679,650 (higher amounts available on ARM products)

Adjustable mortgages (or ARMs) start with a lower rate and then adjust periodically over the life of the loan for those who prefer lower initial payments or plan to sell in a finite period of time

  • Select a 3, 5, 7 or 15-year initial fixed-rate period

  • Available on loans up to $1,500,000

  • Lock in your rate for up to 90-days4

Featured ARMs

  • 5/5 ARM – Low initial rate that adjusts no more than 2% every 5 years. Total increase over life of the loan is capped at 5% above your initial rate.

  • 15/15 ARM – The security of a 30-year fixed-rate mortgage with a lower initial rate that adjusts only once after 15 years.

All NIHFCU mortgages feature great rates and low fees, and are available with as little as 5% down for qualified borrowers!

Need some great advice? Speak to an expert or get pre-qualified with no obligation!

Speak to an expert
1-855-203-4747
Fixed or Adjustable image mobile Fixed or Adjustable image mobile
color-dots

Purchase a home

Whether you are a first time or repeat buyer, our “people helping people” approach to financial services extends to the consultative way we approach every mortgage – ensuring you get the best deal for your homeownership goals.

  • Great rates and low fees

  • Dedicated mortgage team assigned to you from start to finish

  • We’re available by phone, online or in-person at a branch!

  • On time closing at title office of your choice

  • Private Mortgage Insurance (PMI) is available — if needed

     

Speak to an expert
1-855-203-4747
Fixed or Adjustable image mobile Fixed or Adjustable image mobile
color-dots

Get a cash rebate with a HomeAdvantage™ agent

Home shopping or just thinking about it? HomeAdvantage® can help you search, buy, sell like a pro and save THOUSANDS on your home purchase!

  • Search new homes powered by MLS listing data

  • Get Alerts as soon as new home listings hit the market

  • Neighborhood research tools with crime data and school rankings

Plus, use one of our exclusive HomeAdvantage agents to buy or sell, and you're qualified to earn a rewards equal to 20% of your agents commission.1 The average cash rebate in the DC area is $2,700 and can be used toward closing costs or just issued as a cash reward.

For more information, watch our HomeAdvantage video and then click below get started

 

Speak to an expert
1-855-203-9014

Mortgages for Fellows

A special mortgage program for international fellows which treats their wages similar to traditional income and even offers a 20% down option for those without established credit. Learn more

Need some great advice? Speak to an expert at 1-855-203-4747 or get pre-qualified with no obligation

color-dots

Refinance your mortgage and save big!

Refinancing your mortgage is a great way to lower your monthly payment and/or your loan’s term to potentially save thousands of dollars over the life of your loan. Depending on the equity you’ve accumulated, it’s also possible to refinance your mortgage and receive cash you can use for other purposes. In addition, our mortgage refinances offer:

  • Super competitive rates on fixed, adjustable or jumbo mortgages

  • Low fees - zero out-of-pocket-at-closing available

  • Preferred member rates for Private Mortgage Insurance (PMI) rates

  • Close at a location of your choice – often in 30 days or less3

Need some great advice? Speak to an expert at or get a complimentary, no obligation refinance check-up. We’ll show you how you may be able to save money and reduce your payments.

Speak to an expert
1-855-203-4747
five stars

NIH mortgage staff = knowledgeable

I’ve feared the idea of refinancing my home for a long time. But, after working with the NIH lending staff, my trust has been reaffirmed. I really appreciate the knowledge, patience, and comfort I have received throughout the process. Thank you again.

SRBG

Rockville, MD

Financial wellness begins and ends with the facts. Here's what you need to know!

1 The HomeAdvantage program is made available to you through a relationship between NIHFCU and CU Realty Services. Program rebates are awarded to buyers and sellers who select and use a Realtor in CU Realty Services’ approved network. Buyers and sellers are not eligible for the rebate if they use an agent outside the CU Realty network. Using NIHFCU for a mortgage is not a requirement to earn your rebate. Rebates can be taken as cash or applied towards closing costs. Rebates and incentives are available in most states but are void where prohibited by law or by the lender. The rebate is 20% of your realtor’s commission. Example of rebate amount shown is 20% of a 3% realtor commission on an average home sale price in the DC area of $450,000. Your agent commission rate may differ.

3 Most approved applications are ready to close within 45 days if borrower and third parties provide required information to NIHFCU promptly.

4 Applicable to purchase and adjustable rate mortgages only. Other restrictions may apply. Offer subject to change at any time. 90-day lock begins on the date of the pre-approval application