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.

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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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Lender Credit

Lender credits are based on your purchase loan amount after submitting a mortgage application.2

  • $500 credit for loan amounts up to $199,999
  • $1,000 credit for loan amounts $200,000-$699,999
  • $2,500 credit for loan amounts $700,000+
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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.

  • Request a free home valuation, including a competitive market analysis, from a trusted local real estate expert.
  • To learn more, call us at 1-800-556-8077

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.

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

111.0% APR for 6 months. After that, a fixed APR between 6.49% 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.

2For eligible fixed rate, ARM, and VA loans PenFed offers to all members who submit a completed home purchase mortgage application on or after March 1, 2020. Members can receive the lender credit upon closing with PenFed, subject to qualification and approval. For loans $0-$199,999 the lender credit will be: $500. For loans $200,000-$699,999 the lender credit will be: $1,000. For loans $700,000 and up the lender credit will be: $2,500. Pre-Approvals and refinance applications are not eligible for the lender credit. The seller and/or other credits must be reduced if the loan has reached the maximum allowable credit limit per the loan product. Please contact your PenFed Mortgage Loan Officer for more details. The lender credit is available for all funded purchase mortgages in all states, including District of Columbia, Puerto Rico and Guam.

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