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MEMORIAL DAY OFFER:

Apply for a mortgage by 5/31 and get $300 back1 plus no lender fees.2

CALL TODAY AT 1-866-386-7254

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

MEMORIAL DAY OFFER:

Apply for a mortgage by 5/31 and get $300 back1 plus no lender fees.2

CALL TODAY AT 1-866-386-7254

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

Home Buying Steps

Mortgage Topics

Mortgage Products

Home Buying Steps

Mortgage Topics

Mortgage Products

PenFed HELOC

Rates as Low as % APR with flexible use of funds

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

PenFed HELOC

Rates as Low as % APR with flexible use of funds

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

HOME

Applying for a Mortgage & Credit Pulls

What You’ll Learn:How to Shop with Multiple Lenders and Still Protect Your Credit

Topic Discussed:Purchase, Homebuying 101, First Time Home Buyer, Finding a Home

Expected Read Time:11 mins

Published: April 01,2022

When it's time to apply for a mortgage loan, discover the dos and don'ts when it comes to having your credit pulled so you can protect your score and get a loan.
LEARN MORE

ARMs vs Fixed Conventional Loans

What You’ll Learn:How to Compare an Adjustable-Rate Home Loan to a Fixed Conventional.

Topic Discussed:Purchase, Homebuying 101, First Time Home Buyer, Getting Started

Expected Read Time:7 mins

Published: April 01,2022

Shopping for a home loan? Find out how to compare adjustable-rate mortgages to conventional fixed-rate loans and see which is the best for you. Read on.
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When Rates Rise - Is an ARM Good?

What You’ll Learn:What to look at when considering an adjustable-rate home loan.

Topic Discussed:Purchase, Homebuying 101, First Time Home Buyer, Finding a Home

Expected Read Time:9 mins

Published: April 01,2022

You can still get a low rate with an adjustable-rate mortgage even when rates rise. An adjustable-rate mortgage can give you buying power you need. Read on.
LEARN MORE

Benefits of a Credit Union ARM

What You’ll Learn:The Basics of ARM Mortgages and Their Advantages

Topic Discussed:Purchase, Homebuying 101, First Time Home Buyer, Finding a Home

Expected Read Time:7 mins

Published: March 25,2022

Getting an adjustable-rate mortgage may help you get the home you're bidding on. Plus, with a lower rate, you can qualify for a larger loan. Read on for more.
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Everything You Need to Know About ARMs

What You’ll Learn:The Basics of Adjustable-Rate Mortgages and If One is Right for You

Topic Discussed:Purchase, Homebuying 101, First Time Home Buyer, Finding a Home

Expected Read Time:7 mins

Published: March 25,2022

Getting a mortgage requires understanding the terms. And when it comes to ARM loans, they can be a bit confusing. We break down the basics. Read on.
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Is Now the Best Time for an ARM?

What You’ll Learn:How You Can Still Get Low Interest Rates by Getting an Adjustable-Rate Mortgage.

Topic Discussed:Purchase, Homebuying 101, First Time Home Buyer, Finding a Home

Expected Read Time:7 mins

Published: March 25,2022

With interest rates rising, you can still get a low rate with an adjustable-rate mortgage. An ARM can give you more buying power - especially in bidding wars.
LEARN MORE

Different Types of Mortgage Refinances

What You’ll Learn:Determine What Are the Different Types of Mortgage Loans

Topic Discussed:Refinance, Conventional loans, Home Ownership

Expected Read Time:5 mins

Published: March 11,2022

Discover the best refinance options including refinancing from FHA to conventional, VA streamline refi's, refinancing home equity,1st & 2nd into one loan.
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Interest Rates Rising & Home Buying

What You’ll Learn:How Rising Interest Rates Impact Home Shopping

Topic Discussed:Purchase, Homebuying 101, First Time Home Buyer, Finding a Home

Expected Read Time:8 mins

Published: March 11,2022

When rates start to rise, what will that do to the housing market? Should you wait or hurry up and buy? Read on to find out the answers.
LEARN MORE

Should You Sell if Rates Are Rising?

What You’ll Learn:How to Decide When It the Best Time to Sell Your Home When Rates Are Rising

Topic Discussed:

Expected Read Time:8 mins

Published: March 11,2022

Since interest rates are rising, should you sell your home or wait? There are many things that affect real estate prices, find out what they are so you can decide.
LEARN MORE

Rates Are Rising - Too Late to Refinance?

What You’ll Learn:Why Refinancing Now Might Be the Best Choice for What You Want to Accomplish

Topic Discussed:Refinance, HELOC, Home equity, Home Ownership

Expected Read Time:6 mins

Published: March 04,2022

Even though rates are on the rise, find out why refinancing may still be a good idea in some circumstances. Read on to learn more.
LEARN MORE

MEMORIAL DAY OFFER:

Apply for a mortgage by 5/31 and get $300 back1 plus no lender fees.2

CALL TODAY AT 1-866-386-7254

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

MEMORIAL DAY OFFER:

Apply for a mortgage by 5/31 and get $300 back1 plus no lender fees.2

CALL TODAY AT 1-866-386-7254

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

PenFed HELOC

Rates as Low as % APR with flexible use of funds

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

PenFed HELOC

Rates as Low as % APR with flexible use of funds

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

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