Real Estate Services Member Benefits

A home is the biggest purchase most of us will make in our lifetime. From first-time home buyers to high-end residential markets to middle market communities, our nationwide network of expert real estate sales professionals are available to help you find your way home.

Makeover Advantage Loan Program

You may be able to sell your home faster and for more money with an unsecured loan that is interest-free for the first six months.

  • Home renovation loan up to $35,000
  • 0% APR for the first 6 months for consumers working with a network real estate agent
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Expert Real Estate Sales Professionals

Leverage a nationwide network of trusted local real estate professionals who are ready to help with your home selling or buying needs.

Buying a new home?

Receive a real estate broker paid closing credit up to $1,5002

Selling a home?
Request a free home valuation including a competitive market analysis, from a trusted local real estate expert.

To learn more, call 1-800-556-8077

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Our member service representatives are available 7 days a week to assist you with your real estate needs.

To request more information call us toll free at 1-800-556-8077

Makeover Advantage Program

If you're thinking of selling your home but don't have the funds for repairs—let alone a renovation—we may be able to help. The Makeover Advantage loan can provide the cash you need to get your house ready to sell.

  • An unsecured loan interest-free for the first six months which you can use to renovate your home prior to sale.1
  • Exclusive to home sellers working with a network real estate agent.1
  • Call 1-800-556-8077 for more information.

What’s My Home Worth?

Leverage a nationwide network of trusted real estate professionals to obtain a free home value estimate and competitive

market analysis from a local market expert.


A real estate agent will view your home to provide an accurate estimate of its value based on its features, condition, location and the local market.


A real estate agent will share details for recently sold, comparable homes in the surrounding area to give you a better understanding of what to expect when selling your home.



If you are considering selling your home, it is important to list your home at the right time based on buyer demand. A real estate agent will provide important details about how many people are searching for a home like yours.



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

10% APR for 6 months. After that, a fixed APR between 7.74% and 17.99% applies. Your fixed APR applicable after the promo expiration will be determined at the time of loan disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. The 0% APR for 6 months offer is valid for consumers working with a PFR agent. To be eligible for the 0% APR for 6 months, you must submit a PenFed personal loan application through your PFR agent. “0% APR” means all loan payment received in the 6 months following loan origination will be applied exclusively to your unpaid loan balance. After 6 months, your loan payments will be applied to the unpaid loan balance and applicable finance charges.

2Members are eligible to receive the real estate broker paid closing credit when their transaction is completed with both PenFed mortgage and the referred PenFed real estate network agent to purchase their new home. Member must use the PenFed qualified real estate network agent assigned to member to close their real estate transaction. If Member has already closed on a property or are currently using, and wish to continue using, an unqualified PenFed network real estate agent, Member will not qualify for this benefit. Real estate broker paid closing cost credit will be $1,000 for purchase prices up to $699,999K and $1,500 for purchase prices over $700,000. Credit must be listed on the sales contract or addendum, and on the final Closing Disclosure (CD). Members can obtain lender and real estate services separately, but the real estate broker paid closing cost credit will not apply. The seller and/or other credits must be reduced if the loan has reached the maximum allowable credit limit per the loan product.

Due to state guidelines the broker paid the real estate broker paid closing cost credit is not available in AK, IA, KS, LA, MO, MS, OK, OR or TN.