Mortgages
Let us find you that next mortgage you’ll love!
Mortgages for Every Budget & Lifestyle
Moving up, down, or away? NIHFCU is ready, willing, and able to support your next home-buying journey.
Home Buying with NIHFCU – Features & Benefits
- Great rates for primary and secondary homes, & investment properties
- Wide variety of conventional and jumbo loan options
- Down payment options for qualified buyers as low as 0%
- Private Mortgage Insurance (PMI) with preferred rates, if required
- Fast & convenient closing – often in 30 days or less 1
- Rate locks up to 60 days
- $500 closing credit with a CompleteCare Checking account
Today’s Featured Rates 2
Mortgage Options At a Glance
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Might be best if you:
Might be best if you:
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Interest Rate
Interest Rate
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Loan Terms
Loan Terms
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Loan Amounts
Loan Amounts
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Down Payment Options2
Down Payment Options2
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Private Mortgage Insurance
Private Mortgage Insurance
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Special programs for NIH fellows, doctors & dentists
Special programs for NIH fellows, doctors & dentists
Fixed-Rate Mortgages
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Might be best if you:
• plan to stay in your home for a long period
• desire predictability and budget stability -
Interest Rate
Fixed for the life of your loan
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Loan Terms
Choice of loan for 10, 15, 20, or 30 years
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Loan Amounts
Up to $3.0 million
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Down Payment Options2
As little as 3% down
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Private Mortgage Insurance
Required if loan-to value is over 80%
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Special programs for NIH fellows, doctors & dentists
Adjustable-Rate Mortgages (ARMs)
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Might be best if you:
• plan to move before the fixed-rate period resets
• are ok with future payment fluctuations -
Interest Rate
Lower initial rate that rises (or possibly lowers) after the fixed-rate period
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Loan Terms
• Initial fixed period options of 3, 5, 7,10 or 15 years before adjustment
• Range of adjustable options of 1, 5 or 15 years -
Loan Amounts
Up to $1.5 million
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Down Payment Options2
As little as 0% down
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Private Mortgage Insurance
Not required if loan-to-value is over 80% on select ARMs
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Special programs for NIH fellows, doctors & dentists
Contact an NIHFCU mortgage specialist at 1-855-203-4747 or Apply Today
Get a Cash Reward with an Agent from HomeAdvantage®
Home shopping or just thinking about it? HomeAdvantage can help you search, buy, and sell like a pro, and save thousands!
What you can do with HomeAdvantage:
- Search homes powered by MLS listing data
- Get alerts when new home listings hit the market
- Research neighborhood data and rankings
Use a HomeAdvantage® agent to buy or sell. You could earn a reward up to 20% of your agent’s commission 3 towards closing costs or as a cash reward.
Questions? Call us at 1-800-203-9014.
Request Your No Obligation Pre-Qualification
Meet Our Home Loan Specialists
Our seasoned and consultative specialists are ready with a home-buying experience second to none.
Call us today at 1-855-203-4747 or schedule an appointment.
Cheryl Jackson
NMLS #809976
Steve Walker
NMLS #689408
Christian Ward
NMLS #658929
Joseph Yuen
NMLS #200223
Seamless and Straightforward
From start to finish, our loan officer was transparent, responsive, and incredibly knowledgeable. She made what could have been a stressful experience feel seamless and straightforward
Dr. K.
Hearts & Smarts “Quick Reads”
Explore a series of 2-3 minute quick reads on home-buying topics popular among NIHFCU borrowers.
Find a Mortgage You’ll Love with NIHFCU
Disclosures
All information as of 01/24/2026 and subject to change without notice.
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.
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Most approved applications are ready to close within 30 days if the borrower and third parties provide the required information to NIHFCU promptly.
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APR = Annual Percentage Rate. Subject to change without notice and for new mortgage purchase applications only. Other restrictions may apply. Payment example: A 30-year fixed rate mortgage of $485,000 loan amount and sales price of $500,000, 3% down payment at 6.625% rate and 7.173% APR with 0.125% points and 1.000% origination fee, will have a fixed monthly principal and interest payment of $3,327.80, plus escrow payment for property taxes and homeowners’ insurance. Interest rate may vary, based on the applicant’s credit score, property type, occupancy and other factors. Contact an NIHFCU loan officer for details.
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Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Cash Rewards are available in most states; however, are void where prohibited by law. The HomeAdvantage program offered by third party not affiliated with NIHFCU. See full HomeAdvantage terms here.