About
Navy Federal Credit Union is here to help homebuyers move forward with confidence. Whether a buyer is purchasing their first home, relocating, using VA benefits, or exploring a no-down-payment mortgage option, our mortgage team provides personalized guidance from preapproval through closing and beyond.
Our mission is simple: help members find the right home financing solution while delivering a smooth, transparent, and service-driven experience. Navy Federal offers a wide range of mortgage options, dedicated home loan support, digital tools through HomeSquad, and long-term servicing support for the life of the loan.
For Realtors® working with military members, veterans, their families, and eligible Navy Federal members, our team understands the urgency, communication, and partnership needed to help buyers compete in today’s market.
Homebuying Essentials
Use these resources to help buyers understand the home financing journey and take their next step with confidence.
- Mortgage Rates and Payment Tools — Review current mortgage rates and payment examples.
- Learn Homebuying Basics — Understand the phases of buying a home, from early planning to applying for a mortgage.
- Check Affordability — Estimate how much home a buyer may be able to afford without affecting their credit score.
- Apply for a Mortgage — Members can sign in to online banking and use HomeSquad, Navy Federal’s personalized loan hub, to start and manage their application.
- Explore Refinance and Home Equity Options — Review options for refinancing, home equity loans, or cash-out refinance opportunities.
Suggested links:
- Mortgage Overview: navyfederal.org/loans-cards/mortgage.html
- Mortgage Rates: navyfederal.org/loans-cards/mortgage/mortgage-rates.html
- Apply / Sign In: navyfederal.org/login
Why Realtors® Partner With Navy Federal
Our home loan advisors help buyers understand their options, prepare for the process, and stay informed as they move from application to closing.
Navy Federal has deep experience supporting eligible servicemembers, veterans, and their families with VA loan options and other mortgage programs designed around member needs.
Navy Federal offers features that may help buyers feel more confident in the market, including:
- Fast preapprovals
- VA loan expertise
- Mortgage options with no down payment available on select products
- No PMI required on Navy Federal mortgage options
- Rate Match Guarantee eligibility
- No-Refi Rate Drop on eligible mortgage products
- Freedom Lock options on eligible applications
Navy Federal continues supporting members after closing with mortgage servicing, online account access, insurance claim support, and access to important loan documents.
Mortgage Products and Programs
Navy Federal offers a variety of mortgage options to help members find a financing strategy that fits their needs, including:
- VA loans
- Conventional fixed-rate mortgages
- Jumbo fixed-rate mortgages
- Homebuyers Choice loans
- Military Choice loans
- Adjustable-rate mortgage options
- Refinance and home equity options
For Real Estate Agents
Navy Federal values strong Realtor® relationships. We understand that communication, speed, accuracy, and buyer confidence matter when your clients are making one of the biggest financial decisions of their lives.
Our local mortgage team can help agents by:
- Supporting buyers early in the prequalification or preapproval process
- Helping explain Navy Federal mortgage options in clear terms
- Coordinating with members and agents once a contract is ratified
- Providing guidance on HomeSquad document upload and application next steps
- Remaining focused on helping buyers get to closing with confidence
Questions?
Local Contact
Contact Cory Emery
- Manager Mortgage Originations – NMLS # 736826
- 820 Follin Lane – Vienna, VA 22180
- Office: 571-391-3169 – M-F 8:30-5:00 EST
- Mobile: 571-498-0080
- Email: cory_emery@navyfederal.org
Ready to help your buyer take the next step?
Visit Navy Federal’s mortgage center to explore loan options, check affordability, review rates, or start a mortgage application through HomeSquad. Contact Cory Emery for more information.