Navigator Credit Union is not responsible for the product, service, overall website content, security or privacy policies on any external third-party sites.

Home Loans

Welcome to a better way to finance your home!

Your home is likely your largest, most enduring single investment. Whether you’re looking to purchase a new home with a first mortgage, or refinance an existing mortgage, we’ll make the process positive and easy-to-understand.


We’ll work closely with you to find the best mortgage for you and your family. You can choose from a variety of conventional fixed mortgage loan options, with competitive, low rates for 10-, 15-, 20- and 30-year terms. Rental property loans are also available. Check out this page for current Loan plans and rates.

TurnKEY Mortgage*

It’s never too early to begin planning for your retirement years. Navigator offers a TurnKEY Mortgage Loan to help you reduce your number of loan payments and pay off your home loan in half the time. Benefits of a TurnKEY Mortgage Loan include:

  • No Origination Fee or Closing Costs
  • Low, fixed rate with a 10-year term
  • Applies to refinances and new purchases
  • Pay-off your mortgage quickly and build equity as you approach retirement

Unlock the possibilities of a secure future and let Navigator help you retire with confidence. Call our Mortgage Department at 228-475-7300 or 800-344-3281 to apply for a TurnKEY Mortgage Loan today!

Home Equity Lines of Credit

Get more out of your home with a home equity line of credit (HELOC). A HELOC is a type of second mortgage that gives you convenient access to the available equity in your home through a credit line. HELOCs can be used to finance practically anything – from home improvements or college tuition to vacations or vehicles. Funds are accessible online, and you pay interest only on the amount you use. And, as you pay off your loan, that amount becomes available again for borrowing. In most cases, the interest on a HELOC is tax-deductible. (Check with your tax advisor for deductibility in your situation.) Please call us at 228-475-7300 or 800-344-3281 to inquire about current loan rates and terms.




*APR = 3.125% as of 04/01/2016 and subject to change without notice. Actual rate may vary based on credit history. An example of a $100,000 loan with a 3.125% APR will yield approximate monthly payments of $971.39/month for 120 months. Example does not include escrows, homeowner’s insurance, flood insurance or property taxes. Lender paid closing costs include appraisal, title, credit report, flood certification, lender title insurance and recording fees if required. Loans available on primary residences in Mississippi and Alabama. Minimum down payment for a new purchase is 20%. Membership eligibility requirements apply.