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Mortgages you'll love from a lender you can trust

Mortgages are complex, but our friendly no-pressure specialists make it easy!

Buying? Get pre-qualified with no-obligation before you shop. It will help you understand what you can afford and increase your negotiating power.

Refinancing? Request a no-pressure, no obligation mortgage check-up.

Speak to a Specialist
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Buy or refi? Count on us!

Our “people helping people” approach to each mortgage helps you get a great deal for your homeownership goals. Whether buying or refinancing, all of our mortgage programs offer:

  • Super rates on fixed, adjustable or jumbo mortgages

  • Loans up to $1,500,000 available

  • Dedicated mortgage team assigned to you from start to finish

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

  • Timely and flexible locations for closing – for refinances, it’s often 30 days or less1

  • Buyers, check out  HomeAdvantage® ! Search like a pro and to learn how to earn 20% of your agent’s commission!2

View all of our fixed and adjustable mortgage options for any budget or need.

Are you an NIH visiting fellow? We’ve designed a program which treats your wages similar to traditional income and offers mortgages without established credit. Learn More

For great advice, speak to a specialist, request your no obligation check-up or pre-qualification today.

Speak to a specialist
Our mortgage specialists will tailor a mortgage to your individual needs
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.


Rockville, MD

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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 reward equal to 20% of your agent’s commission.2 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 video and then click below get started

Speak to a specialist
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Home Loan Center

In our online Home Loan Center, you’ll find a variety of tools to help you best understand the entire mortgage process, from start to finish.

Among the tools you will find are:

  • Calculators: scenarios to help you make informed financial decisions

  • Your property: FAQs highlighting key details for buyers and lending

  • Loans, Rates, Fee: FAQs on a variety of financing terms and options

  • Your Application: FAQs to understand income, asset and debit factors

  • Closing & Beyond: What to expect at and after your loan closing

  • Glossary: online dictionary of mortgage terminology

For more advice, speak to a specialist , request your no obligation check-up or pre-qualification today.

Speak to a specialist
Speak to a specialist or get a complimentary, no obligation refinance check-up
Financial wellness begins and ends with the facts. Here’s what you need to know!
1 Most approved applications are ready to close within 45 days if borrower and third parties provide required information to NIHFCU promptly.
2 Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Example of Cash Reward amount shown is 20% of a 3% realtor commission on an average home sale price in the DC area of $500,000. Your agent commission rate may differ. Please consult with your lender for details that may affect you.
*Offer applies to first lien mortgage loan purchases and refinances (home equity loans/lines are excluded) in NIHFCU’s service area. In order to qualify for the NIHFCU Mortgage Credit, application must be received by December 31, 2021, and then close and fund by February 28, 2022. If the mortgage does not close and fund by February 28, 2022 there will be no reward. All rewards will be provided in the form of a closing cost credit of 0.125% of the total loan amount, to a maximum possible amount of $2,000. Example: $300,000 loan X 0.1250% = $375 closing credit.  Offer subject to change or cancellation at any time.