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It's a great time to buy a home

Take advantage of today's historically low mortgage rates.


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A local lender you can trust

  • We offer a full range of mortgages, including low down payment loans, jumbo loans, ARMs and conventional fixed-rate mortgages.
  • Build your own mortgage – let us help you determine the perfect term and options for your individual needs.
  • Get pre-approved online and feel confident when writing your contract.
  • When you have a signed contract, your Loan Officer can help lock in your interest rate and finalize your application. Enjoy a 90-day purchase rate lock on qualifying adjustable rate mortgages.1

Why NIH Federal Credit Union?

  • Great rates and low fees
  • Closing cost credits available
  • Discounted Private Mortgage Insurance (PMI) rates — if needed
  • On-time closing and knowledgeable local staff
  • We're available on your terms — by phone, online and at our local branches. We can even come to your work or home!2
    


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Applicable to purchase money 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.
By appointment only. Ask your loan specialist for details.

Agents were very helpful, electronic system a pain

4

The loan agents were very helpful discussing options at the beginning and keeping me updated throughout the process. The electronic system was hard to work with, especially that it was not updated wuickly enough to reflect current status every step throughout the process. I would recommend NIH FCU because the rates are competitive.

ST

Bethesda MD

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Painless Process

5

The mortgage refinance team was excellent. I was informed on what I needed to do and what to expect at every step of the process. Whenever I needed clarification on anything I got a timely response. From the time I submitted my application to the closing process, everything was done smoothly.

Lossie

Rockville, MD

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Mortgage Refinance

5

Easy, fast, and convenient.

GG

Washington DC

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Great Customer Service

5

My loan officers guided me through every step of the process. They provided valuable advice, managed expectations and timelines which helped all of us to stay on track. The communications were timely and effective. I highly recommend working wtih Kayla V. and Debbie Y. They are a great team!

Bay

Alexandria, VA

true

great end result, but harrowing journey

4

I used a 5/5 ARM through NIHFCU. It is a fantastic loan and only offered, as far as I can tell, through credit unions. NIHFCU beat every other commercial bank we looked at in terms of rates and fees. However, using the NIHFCU in the competitive purchasing environment of DC was little nerve-racking. At times, I felt like the response time was too slow to be competitive, and the 25 day closing was tough. In the end, we did use NIHFCU, we did close, and they did deliver the best product. So everything worked out beautifully, but a little snappier service would have saved a lot of anxiety.

Dan

DC

true

Mortgage Refinance

5

Turnaround times as promised, dilligent review of finances which was really comforting for us as members despite some annoyances at the time.

NoVa Family

Reston

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Refinance Angel

5

The Refinance process was flawless. I was able to roll all the fees into my new 15 year loan and my new mortgage was only $200 more. Can't beat that for switching from a 30 year. Thanks!!

Dr. Michelle

Rockville

true

The most seamless mortgage-Win-win deal

5

We have only done this twice but this was the most seamless mortgage we obtained. The loan officer was very clear, honest and precise meaning no surprises. Everything she told us was exactly as was described. It took the least time to close and only one one-on-one meeting with the loan officer despite a few complications of unavailability of some documents on our part, that was ressolved in no time by the management. One of the title company that works with NIHFCU that we selected was perfect, I think they pre-screen them very well. The interest rate was perfect and we were allowed to lock for 1 month and we are now saving $700/month since we refinanced and even got over $1000 into our pockets in addition to being to paying closing costs. Did not produce a penny instead got cash money into the pockets and currently saving $700/month. I would encourage anyone to get a mortgage with NIHFCU. They are a credit union not a bank. They truly are looking after the members interest and service not fleecing them of money. Win-win relationship.

Dr. Morris

Rockville MD

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I would buy this product again and again

5

Amazing !!!! The NIH Loan officers helped me every every stage through closing !!!

Arush

Fairfax VA

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Aplause,for a great product performance

5

I was guided through this process from start to finish. The loan officers made me at ease and were always available via phone/email to answer questions. My experience was awesome.

Rocky

Rockville, MD

true

1

4.7 52

94.2


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Product or service requirements, price, availability and features may vary based on member's individual circumstances as well as laws and the product or service contracts, and location. NIHFCU cannot guarantee the accuracy of member posts. Views and opinions expressed by members are for informational purposes only and should not be deemed an endorsement by NIHFCU.

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