100% Home Loan W/ Streamlined Rate Reduction

100% financing | No PMI | Streamlined Rate Reduction | Powered by Navy Fed

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How It Works

Step 1. Get approved w/ Navy Federal ( Many ways to become a member)

Step 2. We qualify you for the 100% conventional loan w/ NO PMI

Step 3. If the rate drops, you can pay a flat $250 fee to lower your rate by up to 1%.

Step 4. Repeat this every 6 months, as many times as you like.

Step 5. No credit pull. No additional costs. Just the best rate.

How To Become A Navy Fed Member

Active Duty, Retired & Veterans

Servicemembers in all branches of the armed forces are eligible for membership. This category includes:

  • Active Duty members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard and Space Force
  • Delayed Entry Program (DEP)
  • DoD Officer Candidate/ROTC
  • DoD Reservists
  • Veterans, retirees and annuitants

Family Members

We know military families also serve in their own way. Immediate family members include:

  • Parents
  • Grandparents
  • Spouses
  • Siblings
  • Children (including adopted and stepchildren)
  • Grandchildren
  • Household members

Department of Defense Civilians

Our field of membership also covers DoD civilian personnel, who support our armed forces. This category includes:

  • DoD civilian employees
  • U.S. Government employees assigned to DoD installations
  • DoD contractors assigned to U.S. Government installations
  • DoD civilian retirees and annuitants

Take Your Rate From Good to Great

If our mortgage rates drop after 6 months, you could lower your rate without refinancing—saving you thousands on closing costs and lowering your monthly payment.


Get These Unheard-of Benefits When You Lower Your Rate

No closing costs. Just a $250 flat rate fee.

Mortgage terms remain the same.

One page document to sign. That's it.


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