Navy federal credit union mortgage department phone number

Q: Is it hard to get a Navy Federal mortgage?

Navy Federal Credit Union generally follows Fannie Maes underwriting guidelines for conventional mortgages. That means youll typically need a credit score of 620 or better, a down payment of at least 5 percent and a debt-to-income ratio (DTI) of no more than 43 percent.

General Mail and Deliveries

Delivery/Express Mail Addresses	820 Follin Lane SE Vienna, VA 22180-4907
General Correspondence	PO Box 3000 Merrifield, VA 22119-3000

Table of Contents Show

General Mail and Deliveries
Credit and Debit Cards
Mortgages and Equity
Other Areas of Interest
Personal Loan Options
Business Loans
Digital Account Management
Member Benefits
How Personal Loans Work
Is it hard to get a Navy Federal mortgage?
How do I find my mortgage statement Navy Federal?
What is Navy Federal phone number?
How do I talk to a real person at Navy Federal?

Credit and Debit Cards

Visa Credit Card Disputes	PO Box 3503 Merrifield, VA 22119-3501
Visa® Payments	PO Box 3500 Merrifield, VA 22119-3500
Mastercard® Payments	PO Box 3500 Merrifield, VA 22119-3500
Credit Bureau Disputes	PO Box 3700 Merrifield, VA 22119-3700
Visa Debit Card Disputes	PO Box 23603 Merrifield, VA 22119-3603
American Express® Payments	PO Box 3500 Merrifield, VA 22119-3500
Debit Card Services	PO Box 23603 Merrifield, VA 22119-3603

Loans

Loan Payments	PO Box 3100 Merrifield, VA 22119-3100
Vehicle/Boat/Airplane Title	PO Box 25109 Lehigh Valley, PA 18002-5109 For FedEx, UPS or other express courier delivery, please send to: Navy Federal Credit Union c/o BOS Attn: Title Processing Department 1530 Valley Center Parkway, Suite 200 Bethlehem, PA 18017-2266
Mortgage Servicing Error Resolution and Information Request**	PO Box 3302 Merrifield, VA 22119-3302
Insurance Checks for Loan Payoffs or Navy Federal Endorsement	PO Box 3105 Merrifield, VA 22119-3105
Student Loan Payments Note: Include loan number & invoice # on the memo line of the check	P.O. Box 824575 Philadelphia, PA 19182-4575

Mortgages and Equity

Mortgage/Equity Payments	PO Box 3300 Merrifield, VA 22119-3300
Mortgage Servicing Error Resolution and Information Request**	PO Box 3302 Merrifield, VA 22119-3302

Other Areas of Interest

Deposits/Purchases	PO Box 3100 Merrifield, VA 22119-3100
Power of Attorney Forms	Attn: RS Power of Attorney PO Box 36460 Pensacola, FL 32526-6460
Business Solutions	PO Box 38000 Merrifield, VA 22119-3801
Employment	PO Box 3400 Merrifield, VA 22119-3400

**Under Regulation X of the Real Estate Settlement Procedures Act (RESPA), borrowers have the right to resolve errors or request information about their mortgage accounts in writing. Error notices or information requests written on your loan payment coupon or other payment medium provided to you by us will not be accepted. Your written notice of error or information request must include your name, account number and explanation of the error or reason for the request. Any written notice or request you wish to submit must be sent to this address.

Features:

Affordable monthly payments
$250 to $50,000 loan amounts

Tiered Rates for the Debt Consolidation Loan

Terms	APR1
Up to 36 mos.	7.49-18.00%
37 to 60 mos.	14.79-18.00%

Features:

Fully secured by your Navy Federal savings account
Savings continue to earn dividends and become available to you as the loan is paid off
Extended terms of 61 to 180 months available for certain loan purposes,3 subject to loan amount minimums4

Tiered Rates for the Savings Secured Loan

Terms	APR5
61 to 180 mos.	Share rate + 3.00%
Up to 60 mos.	Share rate + 2.00%

Features:

Loan amount cannot exceed the certificate balance
Loan term must be equal to or less than the certificate term

Tiered Rates for the Certificate Secured Loan

Terms	APR6
Up to 60 mos.	Certificate rate + 2.00%

How much you want to borrow for your loan
How long you'd like to finance your loan
Current employment and income (including your employer's name and contact information)
Your contact information, including phone number and email (If you'd like your loan documents sent to an address other than your address of record or to a Navy Federal branch, please call 1-888-842-6328)
Information about your co-applicant, if applicable (date of birth, address, phone number, email, income, employer's name and phone number, Social Security Number, NFCU Access Number)

Business Loans

Own a small business and need money to strengthen or expand it? Our secured business loans can help you cover equipment, vehicles or real estate.

Learn More about Business Loans

Low Rates

Our personal loan rates are competitively low so your payments can be affordable.

Digital Account Management

Our simple online application and digital banking* options make it easy to manage your personal loan.

Member Benefits

Navy Federal members receive exclusive benefits and support.

How Personal Loans Work

It’s easy to apply online, and only takes a few minutes.
After approval, you can electronically sign your loan to save time—and paper.
Your funds will be automatically deposited into your account in as little as 24 hours.

Rates are based on creditworthiness, so your rate may change. Personal Loan rates range from 7.49% to 18.00% APR.
Payment Example: A loan amount of $5,000 for 36 months has a payment range from $156 to $183 and finance charge range from $623 to $1,598.

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Rates are based on creditworthiness, so your rate may change. Home Improvement Loan rates range from 7.49% to 18.00% APR.
Payment Example: A loan amount of $5,000 for 36 months has a payment range from $156 to $183 and finance charge range from $623 to $1,598.

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Permissible loan purposes for extended term loans include home improvements and the purchase of land, airplanes, fully self-contained recreational vehicles, and boats. Terms may apply. Call or visit a branch for additional information.

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In general, the following minimum loan amounts are required for extended term loans: $25,000 for loan terms of 61 to 84 months; $30,000 for loan terms of 85 to 180 months. Certain loan purposes may require higher minimum loan amounts. Call or visit a branch for additional information.

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Savings Secured Loan Payment Example: Share rate plus 2.00%. Loan amount of $3,000 at 2.25% APR for 36 months has a payment of $86.

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Certificate Secured Loan Payment Example: Certificate rate plus 2.00%. Loan amount of $3,000 at 4.05% APR for 60 months has a payment of $56.

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Is it hard to get a Navy Federal mortgage?

Navy Federal Credit Union generally follows Fannie Mae's underwriting guidelines for conventional mortgages. That means you'll typically need a credit score of 620 or better, a down payment of at least 5 percent and a debt-to-income ratio (DTI) of no more than 43 percent.

How do I find my mortgage statement Navy Federal?

You can find your 1098 Mortgage Interest Statement for 2021 in the 1098 Statements section of online banking. Follow these steps to access it: Click Statements on the top right of the page. Click the arrow to expand your mortgage or equity statements.