decorative colored dots

FIXED MORTGAGES maintain the same great rate and monthly payment over the life of the loan and those who desire predictability and payment stability. Our fixed mortgage programs offer:

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

  • Great rates just for NIHFCU members

  • Loan amounts up to $765,600 on conforming loans

  • Loan amounts up to $1,500,000 on jumbo loans

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

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

Featured fixed mortgage options

  • 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.

  • Jumbo Loan: 20 – 30 year loan with amounts up to $1.5million for owner occupied residences, LTV up to 95% and other features

Speak to a specialist
1-855-203-4747
Sold Sign in Front of Home
decorative colored dots

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.

  • A selection of 3,5,7 or 15 year initial fixed-rate period

  • Great rates just for NIHFCU members

  • Loan amounts up to $1,500,000

  • Lock in your rate for 90 days1

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

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

Featured Adjustable Rate Mortgage options

  • 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.

  • 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%)

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

Speak to a specialist
1-855-203-4747
Family focused on home improvement with NIHFCU Home Equity Loan
decorative colored 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 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 to get started.

Speak to a specialist
1-800-203-9014
1Applicable 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.
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.