Get more from your home loan
Call now to get started: 800-970-7766. Or, complete this form and we’ll call you!
Disclosures
1
You are not required to use PenFed's network of real estate agents as a condition of obtaining products or services from PenFed. By using PenFed's network of real estate agents, PenFed may receive a financial or other benefit. You are free to shop around to determine that you are receiving the best services and the best rate for these services.
2
The $10,000 pricing difference is based on the annual percentage rate (APR) advertised by Rocket Mortgage for a conforming conventional 30-year fixed mortgage with a loan amount of $350,000, loan-to-value ratio of 80%, and a credit score of 740 (as of January 27, 2026).
3
Members become Very Important Buyers (VIB) and are eligible to receive the lender-paid closing credit when their transaction is completed with both PenFed mortgage and the qualified PenFed real estate network agent to (1) purchase their new home, offer valid for completed purchase applications received on or after April 3, 2025, or (2) to purchase a home listed by a Berkshire Hathaway Homeservices PenFed Realty agent, offer valid for completed purchase applications received on or after October 6, 2025; subject to qualification and approval. Member must use the qualified PenFed real estate network agent assigned to member to close their real estate transaction. If member has already closed on a property or is currently using, and wishes to continue using, a non-PenFed real estate network agent, member will not qualify for this benefit. Lender-paid closing cost credits include: loan origination fee, appraisal fee, tax service fee, flood certification fee, credit report fee, soft credit report fee, and escrow waiver pricing adjustment, if applicable. Members can obtain lender and real estate services separately, but the lender-paid closing credit will not apply. Credits may be reduced if all credits received, including seller credits, have reached the maximum allowable credit limit for the selected loan product. Terms and conditions apply and are subject to change without notice. This is not a commitment to lend.
Very Important Buyer (VIB) members are eligible to receive a lender-paid closing credit if they refinance the original VIB loan with PenFed within 3 years of the origination date of their original VIB loan. The same fees are eligible to be waived as the original VIB loan. The refinance benefit can only be redeemed one time. Terms and conditions apply and are subject to change without notice. This is not a commitment to lend.
4
Member must meet HomeReady or first-time homebuyer (FTHB) programs eligibility requirements. Talk to a PenFed Mortgage Loan Officer for additional details.
5
Except for holidays, rates are updated Monday through Friday at 10:15am EST. The advertised rates and points are subject to change. The information provided is based on discount point, which equals
percent of the loan amount, and assumes the purpose of the loan is to purchase a property with a 30-year, conforming, fixed-rate loan. Loan amount of $400,000; loan-to-value ratio of 75%; credit score of 760; and DTI of 18% or less. The property is an existing single-family home and will be used as a primary residence. The advertised rates are based on certain assumptions and loan scenarios, and the rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment, and our internal credit criteria. Other rates, points, and terms may be available. All loans are subject to credit and property approval.
Rates quoted require a loan origination fee of 1%; not to exceed $1995. Speak to a PenFed Mortgage Loan Officer for additional details.
The applicant is responsible for the following fees and costs at the time of closing: appraisal fee, tax service fee, title fees, transfer tax fees, credit report fee, flood cert fee, recording fee, survey if required and work verification fee, escrow reserves and interest due until first payment. Other costs may be included due to program specific circumstances. This is not intended to be an all-inclusive list.
Points are the responsibility of the borrower and not covered in promotions.
To receive any advertised product, you must become a member of PenFed.
