¹Power Buyer Certification is contingent on a full underwriting review and approval of loan documentation and other creditworthiness conditions. Offering is subject to change at any time; some loan programs may be excluded. Talk to a PenFed Mortgage Loan Officer for additional details.

²Power Buyer Lock While You Shop is applicable to first mortgage pre-approval home purchases that have received approve/eligible finding. Not applicable on HELOC or refinance transactions. To ensure timely closing within the rate lock period, the borrower must provide an executed sales contract and full property address to PenFed within the initial 30 days of the lock period. Extending a rate lock is subject to applicable rate extension fees to be paid at closing. Offering is subject to change at any time; some loan programs may be excluded. Talk to a PenFed Mortgage Loan Officer for additional details.

³Member must meet HomeReady or first-time homebuyer (FTHB) program eligibility requirements. Talk to a PenFed Mortgage Loan Officer for additional details.

⁴Qualified veterans with their full entitlement can borrow up to the county limit with no down payment. Veterans who have one or more active VA loans or who defaulted on a previous VA loan may be required to make a down payment.

⁵Borrower must provide eConsent, agree to participate in the Fast Pass program, and provide required documentation within 5 business days of application. Participation does not guarantee approval. Talk to a PenFed Mortgage Loan Officer for additional details.

⁶The Homeowner Services Program products are optional. These are not PenFed products and PenFed does not make any representations, warranties or guarantees regarding these products. Homeowner Services products are not insured or guaranteed by the NCUA. Any purchases made through these service providers are the sole responsibility of the purchaser. PenFed will not pay for or reimburse any payments related to any services purchased through the Homeowner Services Program or their third-party service providers.

Points are the responsibility of the borrower and not covered in promotions.

To receive the advertised product, you must become a member of PenFed Credit Union, which is federally insured by the NCUA.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.