What's our secret? It's the attention to detail at every step of your home financing journey:
Personal attention - A dedicated Home Loans Concierge Specialist will be immediately assigned to you
Priority member service - You'll receive same day pre-approval* once you apply for your home loan
Save with no application fee, low rates and industry low fees of only $1,495.00 for Processing and Underwriting
You could even earn a closing credit on the sale and/or purchase of your home: 20% of the real estate agent's commission**
DARE to Compare: Compare our home loan rates and pricing. NGFCU Home Loans will meet or beat anyone’s deal. If we don’t, you’ll get $100. That's a money-backed guarantee! ^
Plus, NGFCU offers some of the best home loan online tools available. An experienced Home Loans Concierge Specialist will guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
* All required documentation must be submitted by noon Pacific Time. Not applicable to weekends or credit union observed holidays.
** 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. Eight states have a full ban on broker rebates: 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.
^ NGFCU will attempt to match or lower 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 valid and must have been issued by lender within the past two business days of submission to NGFCU. Applicable to conforming loans only. Please visit www.ngfcu.us/dare-to-compare for offer terms and conditions. If NGFCU cannot match or lower 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.