FIND YOUR REAL ESTATE REWARDS

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Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

Real Estate Rewards could save you thousands of dollars and are available on the following PenFed loans:

Jumbo loans are also available; rates may differ.

30-Year Fixed

Conforming Loan

RATE POINTS APR EST. MONTHLY PAYMENT*
$

*The payments do not include amounts for taxes and insurance premiums, the actual payment obligation may be greater. Rates and offers are in effect as of , for new applications only, for a limited time, and subject to change without notice. Example based on $200,000 loan.

5/5 ARM

(Adjustable Rate Mortgage)
Adjusts only once every 5 years

Month RATE APR EST. PAYMENT*
First 60 $
Next 300 $

*Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of , 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 percentage points after the initial five year period and at each subsequent annual 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.

20-Year Fixed

Conforming Loan

RATE POINTS APR EST. MONTHLY PAYMENT*
$

*The payments do not include amounts for taxes and insurance premiums, the actual payment obligation may be greater. Rates and offers are in effect as of , for new applications only, for a limited time, and subject to change without notice. Example based on $200,000 loan.

15-Year Fixed

Conforming Loan

RATE POINTS APR EST. MONTHLY PAYMENT*
$

*The payments do not include amounts for taxes and insurance premiums, the actual payment obligation may be greater. Rates and offers are in effect as of , for new applications only, for a limited time, and subject to change without notice. Example based on $200,000 loan.

10-Year Fixed

Conforming Loan

RATE POINTS APR EST. MONTHLY PAYMENT*
$

*The payments do not include amounts for taxes and insurance premiums, the actual payment obligation may be greater. Rates and offers are in effect as of , for new applications only, for a limited time, and subject to change without notice. Example based on $200,000 loan.

15/15 ARM

(Adjustable Rate Mortgage)
Adjusts only once for the life of the loan

MONTH RATE APR EST. PAYMENT*
First 180 $
Next 180 $

*Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of , 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 6 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.

30-Year VA Fixed

Conforming Loan

RATE POINTS APR EST. MONTHLY PAYMENT*
$

*The payments do not include amounts for taxes and insurance premiums, the actual payment obligation may be greater. Rates and offers are in effect as of , for new applications only, for a limited time, and subject to change without notice. Example based on $206,600 loan.