Home Loan Options

*Most approved applications are ready to close within 30 days if the borrower and third parties provide the required information to NIHFCU promptly. Cash 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. 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.