Expert care for your homeownership needs

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. You’ll enjoy:

• A selection of 10, 15, 20 or 30 year mortgage terms

• No NIHFCU lender fees

• Loan amounts up to $765,600 (higher amounts available on ARM products)

• NEW – purchase options now available with a down payments AS LOW AS 3%

Featured fixed Mortgage

• HomeReady® mortgage – 30 year loan with as little as 3% down. Gifts and cash-on-hand can be used for down payment and closing costs.

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

• Loans up to $1,500,000 with outstanding rates

• Lock in your rate for up to 90-days⁴

• NEW – no down payment purchase option now available

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. WOW – rates now as low as 2.750%!!!*

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

• 7/1 ARM with no down payment and No PMI – loan amounts up to $510,400 (with 20 year fixed rate 2nd trust to a combined maximum LTV of 100%)

Check out our new Lower rates just in time for the warm weather shopping

All NIHFCU mortgages feature great rates and low fees, and are available with as little as 0% down for qualified borrowers!

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

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 – helping you get the best deal for your homeownership goals.

• Great rates and low fees on both fixed and adjustable mortgages

• Dedicated mortgage team assigned to you from start to finish

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

• Timely closing at a title office of your choice

• Preferred member rates for Private Mortgage Insurance (PMI), if required

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 reward in the DC area is $3,000 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

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), if required

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

Need some great advice? Speak to a specialist 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.