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:
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 ourfixedand adjustablemortgage 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.
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
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
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.
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By following this link, you agree that you are leaving nihfcu.org and understand that the third party who manages this site is solely responsible for its privacy policy, any products or services it offers and the content they publish.
If you do not wish to proceed, click "Cancel" below to stay on the NIH Federal Credit Union web site.
The HomeAdvantage program is offered by a third party that is not affiliated with NIHFCU.
NIHFCU is not responsible for any services provided in connection with the HomeAdvantage program.
In an effort to help share a little hope, The NIH Federal Credit Union has created SendaMessageofHope.com where anyone can share an inspiring photo or video message with our amazing Doctors, Nurses,
and Healthcare workers. So please take a moment to say thanks to our brave health professionals who are fighting on the frontline of this crisis everyday.
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Please be advised that third party cash transactions (via services such as Venmo, Cash App, etc.) may not be disputed through NIHFCU. You must contact the service directly.
