Routing # 256078446

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Power Buyer Certification2

successCredit ChecksuccessUnderwriting reviewsuccessCertificate is valid for 60 days (from time credit is ordered)successCompete with cash buyers by obtaining an up-front approval to purchase a home based on your financial profile

REQUIREMENTS:

  • Full underwriting review
  • Loan documentation approval
  • Other creditworthiness conditions

Please note that approval is based on no material adverse changes in financial condition, creditworthiness, or employment status.

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Lock While You Shop1

successShop for your new home knowing your interest rate is securedsuccessTake up to 60 days to shop and close on your new homesuccessSpeak with your loan officer to lock in your ratesuccessRate lock may be extended for an additional 30 days

REQUIREMENTS:

  • Rate lock and locked-in terms are valid and must close within 60 days of lock
  • Lock While You Shop only available with Power Buyer Certification
  • Only a loan officer can lock in your rate
  • Credit check required
  • Property address and contact must be provided within 30 days to meet closing date on or before rate lock expires
  • Rate lock can be extended for additional 30 days for a prorated daily fee of max .25 pt
  • Some loan programs may be excluded

Mortgage Payment Calculator

Estimate your mortgage payment, based on your home’s purchase price, down payment, rate, and term.

Estimated Total Monthly Payment

$1,686

The calculator above is for educational purposes only. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Disclosures

1Power 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 should 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. Some loan programs may be excluded. 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 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.

Power Buyer Solutions are subject to change at any time and without notice. Talk to a PenFed Mortgage Loan Officer for additional details.

Certain loan types may not be eligible for Power Buyer.

General Disclosures

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

To receive any advertised product, you must become a member of PenFed.

This credit union is federally insured by the National Credit Union Administration. Rates are current as of April 2026 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate

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Routing #256078446

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