Get a mortgage you'll love this spring.
Save up to $2,500 on closing costs*, plus quick closing1 and rate locks up to 60 days.
Also, earn 20% of your agent’s commission2 with HomeAdvantage®
First-Time Home Buying Made Easy
Buying a first home is complex and can be overwhelming. And, that’s where our team, with over 430 combined years of mortgage experience, steps in. Our no-pressure, friendly and consultative team is ready to help you navigate the process with ease.
Great rates on fixed and adjustable-rate mortgages for primary & secondary homes, & investment properties.3, 4
Loans amounts up to $1,500,000
Generous low down payment options for qualified buyers
Preferred member rates for PMI (Private Mortgage Insurance), if required
Timely and convenient closing – often 30 days or less1
Rate locks, up to 60 days
Ready to get started? Speak to a specialist or start your application today.
Speak to a specialist
1-855-203-4747
Today's Rates
GET A QUOTE
Get Pre-Qualified for a Home Loan
NIHFCU’s home loan experts can help you determine how much you can borrow so you can shop for a home with confidence. No obligation, check it out today!
Fixed-Rate Mortgages
A great option for those planning to stay in their home for a long period, and those who desire predictability and budget stability.
Maintain the same great rate and monthly payment over the life of the loan 4
Choose from terms of 10, 15, 20, or 30-years
Loan amounts up to $1,500,000
Featured Fixed-Rate Mortgages
HomeReady mortgage: a 30-year loan with as little as 3% down. Gifts and cash on hand can be used for a down payment and closing costs.
Jumbo Loan: 20 – 30 year loan for owner-occupied residences
Speak to a Specialist
1-855-203-4747
Adjustable-Rate Mortgages (ARMs)
A great option for those who plan on moving before the initial fixed-rate period re-sets or comfortable with future payment adjustments
A lower initial rate and payment compared to a fixed-rate mortgage 4
Start with an initial 3,5,7,10 or 15 year fixed-rate term before rate adjusts
A range of creative adjustable options of 1,5,15 years available to meet your goals after the fixed period
Loan amounts up to $1,500,000
No Private Mortgage Insurance (PMI) required with loan-to-value over 80% on select ARMs
Speak to a Specialist
1-855-203-4747
Get a Cash Rewards with an agent from HomeAdvantage ®
A great agent is critical to a successful first-time home-buying experience. A HomeAdvantage® agent can help you search, buy, and sell like a pro, and save THOUSANDS!
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 an exclusive HomeAdvantage® agent to buy or sell, and you can earn a reward equal to 20% of your agent’s commission.2 The average reward for NIHFCU members is $2,400 and can be used toward closing costs or just issued as a cash reward.
Speak to a specialist
1-800-203-9014
NIH Fellows Advantage
We know it’s difficult for International NIH Fellows to get a mortgage and purchase a home while in the U.S. Our popular NIH Fellows Advantage Home Loan Program addresses this need even for those without established credit.
NIH International Fellows only need a U.S. social security number to get started. Want to know more? Schedule your no-obligation NIH fellow’s consultation, visit any branch or call us today.
Call us today
1-855-203-4747
First-Time Home Buyer Resources
NIHFCU offers a variety of resources to assist members in their home-buying journey.
Article Library: Quick-read articles on topics of interest for first-time buyers
Calculators: Use our DIY tools to get a better idea of your homeowner goals, scenarios, and budget situation.
FAQ’s: Get answers to many of your home loan questions all in one place
Rates, fees and terms as of April 21, 2025 and subject to change without notice
Financial wellness begins and ends with the facts. Here’s what you need to know!
1Most approved applications are ready to close within 30 days if the borrower and third parties provide the required information to NIHFCU promptly.
2Cash 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 $400,000. Your agent commission rate may differ. Please consult with your lender for details that may affect you. The HomeAdvantage program offered by third party not affiliated with NIHFCU.
3 Currently financing 1st mortgages in Delaware, Maryland, North Carolina, Pennsylvania, Virginia, Washington DC, West Virginia.
4 Click on advertised rates within “Today’s Rates” for complete details.
*Offer applies to first-lien mortgage loan purchases and refinances (home equity loans/lines are excluded) in NIHFCU’s service area. Also, excluded are refinances of existing NIHFCU first-lien mortgages. To qualify for the NIHFCU Mortgage closing cost credit, the application must be received by 04/30/2025 and then close and fund by 06/15/2025. If the mortgage does not close and fund by 06/15/2025 there will be no closing cost credit. All closing cost credits will be 0.250% of the total loan amount to a maximum possible amount of up to $2,500. Example: $500,000 loan X 0.250% = $1,250 closing credit. Offer subject to change or cancellation at any time.
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.
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.
