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Lower your mortgage payments

You could save thousands with a mortgage from NIH Federal Credit Union.

New Year special – apply for any NIHFCU 1st mortgage between December 2017 and February 2018 and get a full appraisal refund at closing!*

We make it fast and easy

Why NIH Federal Credit Union?

  • Great low competitive rates
  • Low fees — zero out-of-pocket at closing available
  • Fast closing in 45 days or less1
  • Choose between a Fixed Rate mortgage, Adjustable Rate mortgage (ARM) or Jumbo loan.
  • Discounted Private Mortgage Insurance (PMI) rates — if needed

Relief for "underwater" homeowners

Owe more on your mortgage than the current value of your home? You may still be able to refinance through our Home Affordable Refinance Program (HARP).


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Our Mortgage Rates
View our current mortgage rates for all of our loan options.
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Mortgage Check-Up
Can you lower your payment or pay off your mortgage faster? We can crunch the numbers for you.
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Manage Your Mortgage
Are you an existing mortgage holder? We are always available to help.
Manage Your Mortgage

Most approved applications are ready to close within 45 days if borrower and third parties provide required information to NIHFCU promptly. 


Agents were very helpful, electronic system a pain


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.


Bethesda MD


Painless Process


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.


Rockville, MD


Mortgage Refinance


Easy, fast, and convenient.


Washington DC


Great Customer Service


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!


Alexandria, VA


great end result, but harrowing journey


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.




Mortgage Refinance


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

NoVa Family



Refinance Angel


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



The most seamless mortgage-Win-win deal


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


I would buy this product again and again


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


Fairfax VA


Aplause,for a great product performance


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.


Rockville, MD



4.7 52


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