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Expert care for your homeownership needs

The NIH Federal Credit Union offers a wide range of member-friendly mortgages to meet any budget, lifestyle and goal.


Select the mortgage that’s right for you.

Mortgages are complex transactions, but our friendly and no-pressure experts make it easy. The NIHFCU offers mortgages for primary residences, second homes and investment properties in MD, DC, VA, NC, WV (and 2nd homes in DE). Whatever your need, get pre-approved by NIHFCU with no-obligation before you shop. It will help you understand what you can afford and increase your negotiating power.

Check out our programs below and call to speak to an NIHFCU mortgage expert. Also, make sure to visit our Home Loan Center with popular FAQs, calculators, customized rate quotes and more.

Speak to an expert

Fixed or adjustable?

FIXED MORTGAGES maintain the same rate and monthly payment over the life of the loan for those who desire predictability and payment stability. You'll enjoy:

  • A selection of 10, 15, 20 or 30 year mortgage terms

  • No NIHFCU lender fees

  • Loan amounts up to $726,525 (higher amounts available on ARM products)

  • NEW – purchase options now available with a down payments AS LOW AS 3%

  • HomeReady® mortgage – 30 year loan with as little as 3% down. Gifts and cash-on-hand can be used for down payment and closing costs.

ADJUSTABLE MORTGAGES (or ARMs) start with a lower rate and then adjust periodically over the life of the loan for those who prefer lower initial payments or plan to sell in a finite period of time

  • Select a 3, 5, 7 or 15-year initial fixed-rate period

  • Available on loans up to $1,500,000

  • Lock in your rate for up to 90-days4

  • NEW – no down payment purchase option now available

  • 5/5 ARM – Low initial rate that adjusts no more than 2% every 5 years. Total increase over life of the loan is capped at 5% above your initial rate.

  • 15/15 ARM – The security of a 30-year fixed-rate mortgage with a lower initial rate that adjusts only once after 15 years.

  • 7/1 ARM with no down payment and No PMI - loan amounts up to $484,350 (with 20 year fixed rate 2nd trust to a combined maximum LTV of 100%)

All NIHFCU mortgages feature great rates and low fees, and are available with as little as 0% down for qualified borrowers!

Need some great advice? Speak to an expert or get pre-qualified with no obligation!

Speak to an expert
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Purchase a home

Whether you are a first time or repeat buyer, our “people helping people” approach to financial services extends to the consultative way we approach every mortgage – helping you get the best deal for your homeownership goals.

  • Great rates and low fees on both fixed and adjustable mortgages

  • Dedicated mortgage team assigned to you from start to finish

  • We’re available by phone, online or in-person at a branch!

  • Timely closing at a title office of your choice

  • Preferred member rates for Private Mortgage Insurance (PMI), if required

Speak to an expert
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Get a cash rebate with a HomeAdvantage™ agent

Home shopping or just thinking about it? HomeAdvantage® can help you search, buy, sell like a pro and save THOUSANDS on your home purchase!

  • 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 one of our exclusive HomeAdvantage agents to buy or sell, and you're qualified to earn a rewards equal to 20% of your agents commission.1 The average cash rebate in the DC area is $3,000 and can be used toward closing costs or just issued as a cash reward.

For more information, watch our HomeAdvantage video and then click below get started

Speak to an expert

Mortgages for Fellows

A special mortgage program for international fellows which treats their wages similar to traditional income and even offers a 20% down option for those without established credit. Learn more

Need some great advice? Speak to an expert at 1-855-203-4747 or get pre-qualified with no obligation


Refinance your mortgage and save big!

Refinancing your mortgage is a great way to lower your monthly payment and/or your loan’s term to potentially save thousands of dollars over the life of your loan. Depending on the equity you’ve accumulated, it’s also possible to refinance your mortgage and receive cash you can use for other purposes. In addition, our mortgage refinances offer:

  • Super competitive rates on fixed, adjustable or jumbo mortgages

  • Low fees - zero out-of-pocket-at-closing available

  • Preferred member rates for Private Mortgage Insurance (PMI), if required

  • Close at a location of your choice – often in 30 days or less3

Need some great advice? Speak to an expert at or get a complimentary, no obligation refinance check-up. We’ll show you how you may be able to save money and reduce your payments.

Speak to an expert
five stars

NIH mortgage staff = knowledgeable

I’ve feared the idea of refinancing my home for a long time. But, after working with the NIH lending staff, my trust has been reaffirmed. I really appreciate the knowledge, patience, and comfort I have received throughout the process. Thank you again.


Rockville, MD

Financial wellness begins and ends with the facts. Here's what you need to know!

1 The HomeAdvantage program is made available to you through a relationship between NIHFCU and CU Realty Services. Program rebates are awarded to buyers and sellers who select and use a Realtor in CU Realty Services’ approved network. Buyers and sellers are not eligible for the rebate if they use an agent outside the CU Realty network. Using NIHFCU for a mortgage is not a requirement to earn your rebate. Rebates can be taken as cash or applied towards closing costs. Rebates and incentives are available in most states but are void where prohibited by law or by the lender. The rebate is 20% of your realtor’s commission. Example of rebate amount shown is 20% of a 3% realtor commission on an average home sale price in the DC area of $500,000. Your agent commission rate may differ.

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

4 Applicable to purchase and 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