• COMPARE YOUR LOAN OPTIONS

    Loan Details

    Enter loan details in the tool below. You can also select any desired loan features or a type of loan. We'll provide a list of PenFed loans that meet your requirements.

    LOAN TYPE
    LOAN FEATURES
    YOUR LOAN DETAILS
    Filter Options

    All mortgage options listed below.

    Your rate, payment, and costs, could be higher. Get an official Loan Estimate before choosing a loan. The following rates are based on a credit score above 720. Payment examples for fixed rate loans on this page include estimated amounts for escrow items, such as property taxes and insurance. See Learn More box for more details.
    LOAN TYPE

    30-Year FixedConforming Loan

    EST. MONTHLY PAYMENT

    $1,105.24

    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment
    LEARN MORE
    LOAN TYPE

    30-Year
    Fixed Jumbo

    EST. MONTHLY PAYMENT

    $2,778.69

    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment
    LEARN MORE
    LOAN TYPE

    20-Year FixedConforming Loan

    EST. MONTHLY PAYMENT

    $567.20

    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment
    LEARN MORE
    LOAN TYPE

    15-Year FixedConforming Loan

    EST. MONTHLY PAYMENT

    $678.62

    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment
    LEARN MORE
    LOAN TYPE

    15-Year
    Fixed Jumbo

    EST. MONTHLY PAYMENT

    $3,483.05

    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment
    LEARN MORE
    LOAN TYPE

    10-Year FixedConforming Loan

    EST. MONTHLY PAYMENT

    $948.39

    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment
    LEARN MORE
    LOAN TYPE

    30-Year VA
    Fixed Rate Loan

    EST. MONTHLY PAYMENT

    $456.69

    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment
    LEARN MORE
    LOAN TYPE

    15-Year VA
    Fixed Rate Loan

    EST. MONTHLY PAYMENT

    $694.89

    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment
    LEARN MORE
    LOAN TYPE

    30-Year FixedHigh Balance

    EST. MONTHLY PAYMENT

    $2,822.28

    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment
    LEARN MORE
    LOAN TYPE

    15-Year Fixed High Balance

    EST. MONTHLY PAYMENT

    $3,080.64

    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment
    LEARN MORE
    LOAN TYPE

    15/15 ARM(Adjustable Rate Mortgage)

    Adjusts only once for
    the life of the loan

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 180 3.250% 3.238% $435.21
    Next 180 2.500% 3.238% $412.98
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 10, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than --- percentage points every 15 years (--- for this example). Since the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE
    LOAN TYPE

    15/15
    Jumbo ARM(Adjustable Rate Mortgage)

    Adjusts only once for
    the life of the loan

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 180 3.250% 3.417% $2,245.22
    Next 180 2.500% 3.417% $2.500
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 10, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than --- percentage points every 15 years (--- for this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE
    LOAN TYPE

    5/5 ARM(Adjustable Rate Mortgage)

    Adjusts only once
    every 5 years

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 60 2.625% 3.012% $1,606.60
    Next 300 3.125% 3.012% $1,697.72
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 17, 2016, offered for a limited time and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial five year period and at each subsequent rate adjustment, with a lifetime maximum adjustment of ---% (--- for this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE
    LOAN TYPE

    5/5
    Jumbo ARM(Adjustable Rate Mortgage)

    Adjusts only once
    every 5 years

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 60 2.875% 3.050% $1,837.02
    Next 300 3.125% 3.050% $1,918.92
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 17, 2016, offered for a limited time and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial five year period and at each subsequent rate adjustment, with a lifetime maximum adjustment of ---% (--- for this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE
    LOAN TYPE

    3/1 ARM(Adjustable Rate Mortgage)

    Adjusts annually after
    the first 3 years

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 36 2.375% 3.621% $395.12
    Next 324 3.750% 3.621% $456.99
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 17, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial three year period and at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE
    LOAN TYPE

    3/1
    Jumbo ARM(Adjustable Rate Mortgage)

    Adjusts annually after
    the first 3 years

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 36 2.625% 3.586% $2,008.25
    Next 324 3.750% 3.586% $3.750
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 23, 2016 for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial three year period and at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE
    LOAN TYPE

    5/1 ARM(Adjustable Rate Mortgage)

    Adjusts annually after
    the first 5 years

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 60 2.625% 3.455% $395.12
    Next 300 3.750% 3.455% $452.82
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 23, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial five year period and at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE
    LOAN TYPE

    5/1
    Jumbo ARM(Adjustable Rate Mortgage)

    Adjusts annually after
    the first 5 years

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 60 2.875% 3.532% $2,041.21
    Next 300 3.750% 3.532% $3.750
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 23, 2016 for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial five year period and at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE
    LOAN TYPE

    7/1 ARM(Adjustable Rate Mortgage)

    Adjusts annually after
    the first 7 years

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 84 2.625% 3.408% $401.65
    Next 276 3.625% 3.408% $450.11
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 12, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 5 percentage points after the initial seven year period and 2 percentage points at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE
    LOAN TYPE

    7/1
    Jumbo ARM(Adjustable Rate Mortgage)

    Adjusts annually after
    the first 7 years

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 84 2.875% 3.434% $2,074.46
    Next 276 3.625% 3.434% $2,237.66
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 5, 2016 for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 5 percentage points after the initial seven year period and 2 percentage points at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE
    LOAN TYPE

    10/1 ARM(Adjustable Rate Mortgage)

    Adjusts annually after
    the first 10 years

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 120 3.000% 3.474% $414.89
    Next 240 3.750% 3.474% $448.58
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 19, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 5 percentage points after the initial ten year period and 2 percentage points at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE
    LOAN TYPE

    10/1
    Jumbo ARM(Adjustable Rate Mortgage)

    Adjusts annually after
    the first 10 years

    EST. MONTHLY PAYMENT
    Month Rate APR PAYMENT*
    First 120 3.250% 3.536% $2,176.03
    Next 240 3.750% 3.536% $2,274.60
    LOAN FEATURES
    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of August 16, 2016 for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 5 percentage points after the initial ten year period and 2 percentage points at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    LEARN MORE