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This spring, let us help you find a mortgage you’ll love.

Get 20% of your agent’s1 commission and a whole lot more.


Get 20% of your agent’s commission

Cherry blossoms aren’t the only thing in bloom this spring! So are great savings with our popular HomeAdvantage® program. All you need to do is use one of our HomeAdvantage® agents to buy or sell, and you're qualified to earn a cash reward equal to 20% of your agent's commission1. The average reward in the DC area is $3,0001 and can be used toward closing costs or simply issued as a cash reward. It’s up to you!

And that’s not all, see below for our limited-time rebates and bonuses to earn up to an additional $7502 in savings!

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Earn up to $7502 in rebates and bonuses

Appraisal rebate

Apply for any first mortgage (new purchase or refinance) with us by June 30, 2019 and you’ll receive a rebate for the cost of an appraisal we ordered for you. That’s up to $4502 we’ll provide back to you at loan funding, or you can take as cash for your personal use.

$300 Move-In Bonus2

And that is not all. Should you buy your home with a HomeAdvantage® agent and fund with us by August 31, 2019, you'll receive an additional $300 bonus. Use your bonus for furnishings, appliances or anything else as an extra home-sweet-home housewarming gift from your NIHFCU friends.

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NIHFCU is your place for a mortgage you'll love

Mortgages are complex transactions, but our friendly, no-pressure specialists 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). Before you shop, get pre-approved by NIHFCU with no-obligation. It will help you understand what you can afford and increase your negotiating power.

Learn more or speak to an NIHFCU mortgage specialist today.

And, don’t forget to check out our new lower rates on both fixed and adjustable mortgages. ARMs are now as low as 3.375%!!!!3

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1. 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 $500,000. Your agent commission rate may differ. Please consult with your lender for details that may affect you.

2. Apply for a first lien mortgage loan with NIHFCU between March 15, 2019 and June 30, 2019. Then close and fund by August 31, 2019, and NIHFCU will a.) refund to you at loan funding the fee up to $450 you paid for an appraisal we ordered AND b.) deposit a $300 move-in bonus into your NIHFCU share account upon loan funding. If the loan you apply for does not close and fund, there will be no refund or bonus. The move-in bonus is reserved for borrowers who buy their home using a HomeAdvantage network agent.

3. Rates as of April 12, 2019 and subject to change without notice