Competitive local rates
Take advantage of some of the area’s lowest rates to help reduce your overall borrowing costs.
Mortgage Loans
Our experienced team is here to guide you as you navigate your path home.
Simple online application
Apply easily with a streamlined, no-hassle online process designed to save you time.
Local, in-house servicing
Benefit from in-house underwriting, processing, and closing for a smoother, more personalized experience.
Support for first-time buyers
Access programs designed to help first-time homebuyers navigate the process with confidence.
Conventional loans
Flexible options for purchasing or refinancing your home, fixed rates, and in-house servicing for a smoother experience.
FHA, USDA, and VA loans
Government-backed loans with flexible qualification options, fixed rates, and down payment assistance programs available.
To open an FHA, USDA, or VA loan, call (800) 344-3281 or email mortgage@navigatorcu.org.
Home Equity Lines of Credit (HELOC)
Access your home’s equity when you need it and pay interest only on what you use. Enjoy a 7-year draw period with the flexibility to reuse funds without reapplying.
- Interest may be tax-deductible**
- Re-access funds during the draw period without reapplying
To open a HELOC, call (800) 344-3281 or email mortgage@navigatorcu.org.
Land/Lot and Investment loans
Fixed-rate options to finance land purchases or investment properties for single and two-family dwellings.
To open a land/lot or investment loan, call (800) 344-3281 or email mortgage@navigatorcu.org.
Jumbo and TurnKEY loans
Financing solutions for higher-value homes and specialized projects. Contact us for details.
Ready to start your home buying journey? We’re ready to help.
Set up a free, no-obligation consultation or start your prequalification today. Call (800) 344-3281 or email mortgage@navigatorcu.org.
Susan Kay Dowdy
Director of Mortgage Lending
NMLS# 972453
Kimberly Anne Kosick
Mortgage Loan Officer
NMLS# 460039
Lori Maenza Karahalios
Mortgage Loan Officer
NMLS# 1853925
Mortgage Calculator
How much will your monthly mortgage payment be? Use this calculator to figure out your monthly payment, including your mortgage’s principal and interest payments as well as insurance and taxes.
Mortgage Loan FAQs
Please apply online at our mortgage loan application site or contact our Mortgage Team at (800) 344-3281 to get started.
Mortgage rates vary based on market conditions and your financial profile. To ensure the most accurate mortgage rates, please call our friendly Mortgage Team at (800) 344-3281 or email mortgage@navigatorcu.org.
Fixed-rate home loans have a consistent interest rate for the life of the loan, while adjustable-rate loans may change over time based on market conditions.
Credit requirements vary by loan type, but many home loan options (including government-backed programs) offer flexible qualification guidelines.
A Home Equity Line of Credit (HELOC) allows you to borrow against your home’s equity and access funds as needed, paying interest only on what you use.
Mortgage Loan Resources
Costs associated with buying a home
Understand the key costs involved in purchasing a home so you can plan your budget with confidence.
6 expenses to include in your home buying budget
Learn about common homebuying expenses to avoid surprises and prepare for the full cost of ownership.
Choosing the right savings account for your goals
Explore different savings options and find the account that best supports your financial goals.