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Mortgages you'll love from a lender you can trust

Whether you’re buying or refinancing, home loans are complex, but with over 540 combined years of mortgage experience, our no-pressure team makes it easy!

  • Great rates on Fixed and Adjustable mortgages for primary & secondary home, & investment properties.

  • Loans amounts up to $1,500,000 available

  • Options with as little as 0% down for qualified buyers

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

  • Timely and convenient closing – often 30 days or less 1

  • Rate locks up to 60 days

  • Buy or sell with Home Advantage to earn 20% of your agent’s commission 2

  • Special programs for NIH visiting fellows without established credit

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

Refinancing? Get a no-pressure, no-obligation mortgage check-up and let us see how we can help you save!

Speak to a Specialist
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 an exclusive HomeAdvantage® agent to buy or sell, and can earn a reward equal to 20% of your agent’s commission.2 The average reward in the DC area is nearly $2,400 and can be used toward closing costs or just issued as a cash reward.

Watch the video and then click below to get started.

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Home Loan Center

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

  • 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

Rates, fees and terms as of November 30, 2023 and subject to change without notice

Financial wellness begins and ends with the facts. Here’s what you need to know!
1 Most approved applications are ready to close within 30 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.
Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site . HMDA data for many other financial institutions are also available at this Web site.