Your Member Advantage: Home Loans Made Simple
At NGFCU, being a member means more than just having a place to bank. It means access to valuable home financing benefits designed to help you save at every stage of your journey. From our Dare to Compare Program to our flexible Refi Program, we offer solutions that make buying or refinancing more affordable and straightforward. Whether you are purchasing your first home, moving into your next one, or refinancing your current loan, we are here to support your goals and help you make the most of your membership.
Our team at NGFCU is here to guide you every step of the way. Give us a call at at 888.NGFCU.RE (643.2873), email us at homeloan@ngfcu.us, or fill out the consultation form below to get personalized support.
Your Home, Your Trusted Advisor
Dare to Compare: Ask us to beat or match anyone's deal.
Compare our home loan rates and pricing with confidence. If we cannot match or beat another lender’s mortgage offer, you will receive $100.1 In addition to competitive pricing and flexible loan options, our Home Loan Trusted Advisors will guide you through every step of the process, making it simple, clear, and tailored to your needs.
Compass: Closing Credit Program
You could receive thousands of dollars back at closing when you buy or sell a home. Through our partnership with Compass, a premier real estate brokerage firm, NGFCU members gain access to an exclusive program designed to make the experience seamless and rewarding. When you work with our preferred partner, you benefit from Compass’s advanced real estate platform and network of top agents. As an added advantage, you will earn a 20% credit at closing based on the real estate agent’s commission, which could mean significant savings when your transaction is complete.2
Free-Fi: Refinance With Built-In Rate Protection
Free-Fi gives you the confidence to refinance without second-guessing your timing. When you refinance your mortgage with us and rates drop within the next 3 years, you can refinance with us again and we’ll waive our lender fees.3 It’s our way of helping you move forward today while staying flexible for tomorrow. Free-Fi is available on eligible refinance transactions with loan amounts of $200,000 or greater. Connect with a Home Loan Trusted Advisor to see how Free-Fi can support your long-term homeownership goals.
Loan approval, rates and terms based on creditworthiness. NMLS # 774623
1 NGFCU will attempt to match or reduce the total loan cost from another competitor’s Loan Estimate if borrower proceeds with an NGFCU mortgage. Total loan costs are inclusive of loan rate, fees, and closing costs. Borrower must present competitor’s loan estimate to qualify for the offer. Loan estimate must be locked and must have been issued by lender within the past two business days of submission to NGFCU. Applicable to 30-year fixed rate conforming loan only. If NGFCU cannot match or reduce other lender’s loan estimate pricing, NGFCU will deposit $100 into member’s NGFCU share savings account on or after the last business day of the month submitted. Must be an NGFCU member in good standing in order to be eligible for this offer. Maximum of one (1) $100 payment per membership account during the calendar year. Promotion is subject to change without notice and can be canceled at any time.
2 20% commission rebate is determined by the action side commission paid to Compass at the close of escrow. If Compass receives a commission, the NGFCU member will receive a 20% closing credit from the Broker’s gross commission. Not all states qualify. Nine states have a full ban on broker rebates: Alabama, Alaska, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Oregon, and Tennessee. In addition, Iowa prohibits rebates when the consumers use the services of two or more real estate brokers during a transaction.
3 One time use only per loan; refinance must occur within 36 months of original refinance transaction. Minimum loan amount of $200,000 with a LTV of less than 90%. Free-Fi must be from NGFCU lien to NGFCU lien from original refinance. Loan must meet FNMA/FHLMC guidelines. Home Loan Refinances processed within the last 6 months is not eligible for Free-Fi program. Exclusions: Cash-outs Refinances, HELOCs, Home Equity, and LTVs at or above 90%.