Home Loans

We'll Help Piece Together Your Home Buying Journey

Whether you're buying a home, refinancing an existing mortgage loan or considering a home equity loan, we're here to help find the right solution for you. With top notch tools and innovative technology solutions, our dedicated mortgage professionals will work closely with you to ensure the process goes smoothly from start to finish. Northwest Federal is proud to offer home loans in all 50 states—and we service our loans for life.

Questions? Make an appointment or call our office today: 703-709-8900, ext. 4905 (844-709-8900 toll-free). You can also attend one of our free mortgage seminars or webinars to help you learn more about the home buying process.

NMLS# 411458


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Real Estate Resources

When it comes to buying a home, we have a variety of mortgage options and we’ll work with you to see which one fits you best:

•    Fixed-rate mortgage – Get peace of mind knowing your interest rate will never increase for the term of your loan. We have low and no down payment options available, including: 3% down payment loan or 100% Homebuyer’s Edge.

•    Adjustable rate mortgage – Enjoy generally lower monthly payments than a fixed-rate loan and increase the amount of home you can afford with our Adjustable Rate Mortgages (ARMs). The lower introductory interest rate will periodically adjust with changing market rates, depending upon the type of ARM you choose. Learn more with a customized rate quote and apply today for your free pre-approval. 

•    Low and no down payment options – available on conforming loan amounts only. Principal residences only and PMI is required. 

•    High-Balance Loans – Buyers in high-cost areas may need to consider a High-Balance loan with limits between $453,100 - $679,650* (maximum loan amount is determined by the county where the property is located and the number of units being purchased). Learn more about this competitive, fixed-rate option with a customized rate quote. *Limit for contiguous states only.

•    Jumbo Loans –  Qualified buyers in the market for a high-end home, can turn to Northwest Federal for fixed-rate and adjustable-rate Jumbo Loans up to a maximum loan amount of $2 million.

•    VA Loans – An affordable way for active duty service members, veterans, and eligible surviving spouses to purchase, refinance, or improve their existing home. Money-saving benefits include:  no down payment, fixed-rate terms and no Private Mortgage Insurance. A Certificate of Eligibility (COE) for the program is required. 

•    HomeReady™ Affordable Mortgage – This fixed-rate mortgage option features expanded eligibility for the diverse needs of today’s buyers and has several borrower benefits when compared to a FHA Loan, including: 3% down payment (gift funds allowed), reduced mortgage insurance coverage requirements, and flexible sources of income to meet eligibility requirements. Income restrictions apply and not all borrowers will qualify. To see if you qualify, apply online today. HomeReady™ Mortgage applicants must take an online home ownership class and present completion certificate to lender upon closing. Register now for the online course provided by Framework. 

HomeReady™ is a trademark of Fannie Mae. 

•    Investment Property - We offer purchase and refinance Investment Property mortgage loans with 10 or 15-year repayment terms. Get a customized rate quote for more information. 

•   Land Loans* - Finance the purchase of unimproved land up to 20 acres for the site of your dream home or for recreational purposes. Apply online for competitive rates and terms.
 *Maximum loan amount of $200,000. 

Plus free seminars and webinars on home buying. All events are open to the public.


Search online for local homes for sale, research neighborhoods, check comparable sales prices in your area and more with HomeAdvantage®. Enroll in this free program to find an experienced real estate agent in the HomeAdvantage network, and to earn HomeAdvantage Cash Rewards* when you buy or sell your home using a HomeAdvantage agent. See how you can cash in:                                                       

Home Price

Member Cash Rewards*

Sell your home for $300,000


Buy your next home for $450,000



Total Cash Rewards:  $4,500

Contact Northwest Federal for a referral to an agent and to enroll in this service:

  • 703-709-8900, ext. 4905 (844-709-8900 toll-free)
  • email mortgages@nwfcu.org

*The HomeAdvantage program is made available to you through a relationship between Northwest Federal Credit Union and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using Northwest Federal Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. Northwest Federal Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. 

Learn more about HomeAdvantage...

Northwest Federal is making home ownership more affordable than ever with these mortgage options:

  • 100% Financing*

Well-qualified borrowers can purchase a home with no money down! Our 100% Financing option is available on primary residence properties (single-family, townhome, condominium) on loan amounts up to $650,000. This mortgage option also features a fixed-rate term—your rate will never increase for the length of the loan. 

  • 3% Down*

Our 3% Down financing option is available for first-time home buyers (and repeat buyers) purchasing a primary residence (single family, townhome or condominium). It's a great solution for buyers who want less out-of-pocket expense when purchasing a home—the down payment amount can even be a gift from mom and dad! 

  • Programs available to assist with funds for down payment and closing costs

Learn more about these programs designed for low and moderate income level first-time homebuyers and public service workers

  • Family Share Secured Loan**

This option lets first-time buyers obtain a mortgage with just a 5% investment of their own funds, provided they have a family member willing to provide the additional 15%. When you combine the two, it equals a 20% down payment—saving the home buyer from having to purchase Private Mortgage Insurance.

*Not all borrowers will qualify; credit qualifications apply. Private mortgage insurance is required. 

**Normal terms and conditions do apply. Not all borrowers will qualify. Family members as defined by Fannie Mae, include: borrower's spouse, child or other dependent or by any other individual who is related to the borrower by blood, marriage, adoption or legal guardianship; or a fiance, fiancee, or domestic partner. 

Depending on your situation and what your goals are, refinancing could help you:

  • Refinance from an adjustable rate into a a fixed rate mortgage
  • Lower your monthly payment
  • Shave years off your mortgage term
  • Get cash for home improvements
  • Consolidate debt at a lower rate

Learn more about your options with a customized rate quote and apply today.

Home Affordable Refinance Program (HARP)

Northwest Federal accepts refinance applications under the enhanced HARP guidelines for homeowners with:

  • Mortgage loan owned by Fannie Mae (sold to Fannie Mae prior to June 1, 2009). Use Fannie Mae’s Loan Lookup tool to determine if Fannie Mae owns your loan. 
  • Ideal for borrowers who have experienced a decline in their property's value 

Additional restrictions may apply for HARP eligibility. For more information, please email our Real Estate Services.
Reverse Mortgages
We’ve partnered with Credit Union Mortgage Association to offer reverse mortgages* for home-owning members age 62 and older. If you’re interested in converting your home’s equity into cash or a line of credit with a reverse mortgage, email our lending professionals to learn if this option is available in your area.

*Only available in VA, MD, and DC. 

Home equity loans and home equity lines of credit (HELOC) can be used for home improvements, major purchases and debt consolidation. Since an equity loan or HELOC uses your home as collateral, the interest rate is generally lower than other types of loans—saving you money. Plus, the interest may be tax deductible*. 

Compare the features, check rates and apply today

*Consult your tax advisor for details. 

Virginia team:

Cory Emergy
Cory Emery

Cory has been in the mortgage industry since 2008. While Cory has been fortunate to work with members in other roles at Northwest Federal, he recently joined the mortgage lending team as a Mortgage Loan Officer. As a dedicated lending professional and former real estate agent, Cory knows the importance of being educated during the process. He works to ensure that members understand the home financing options offered by Northwest Federal. He is a people person who takes pride in providing excellent member service and he enjoys building new relationships with members.

Sharon Epperson
Sharon Epperson

Sharon offers over twenty years of mortgage experience in loan origination, servicing, and title and settlement services. She has worked in Northwest Federal's mortgage department since 2006, where she began as a loan closer. Sharon later became a loan processor and expanded her knowledge and experience originating and processing refinance and equity mortgage transactions. She currently assists members in originating all mortgage products and services.

Suzanna Famiglietti
Suzanna Famiglietti

Suzanna has been with Northwest Federal since 2003 and has a great deal of experience in mortgage lending, including working with conventional and Veteran's Administration (VA) loans. Suzanna's wealth of knowledge allows her to guide members throughout the mortgage transaction seamlessly and ensure that members fully understand the mortgage process. Suzanna's integrity and professionalism have made her the recipient of numerous awards including the Lending Employee of the Year. 

Alisha Lee
Alisha Lee
With over eight years of mortgage experience, Alisha joined Northwest Federal in June of 2017 as a Loan Officer. She takes pride in helping members obtain the financing they need—either to purchase a home, refinance an existing loan or tap into their home’s equity. Alisha is committed to helping find the answers and exploring financing options which lead to a financially sound outcome.

Wendy Leewe
Wendy Leewe

Wendy has been with Northwest Federal since 2003 and joined the mortgage lending department in 2011, where she works as a mortgage loan officer. A Northern Virginia native, Wendy is focused on member satisfaction and continually strives to find the best home loan products to meet our members' needs. 

Vinnie Porto
Vincent "Vinnie" Porto

Originally from Herndon, Virginia, Vinnie is a 2011 graduate of Bridgewater College. Since graduation, Vinnie has spent time working in the mortgage industry and has developed a deep appreciation for the role that credit unions can play in helping their members achieve the American dream of homeownership. Vinnie is devoted to helping homebuyers find mortgage solutions that meet their needs, one loan at a time.

Florida team:

Wayne Jackman
Wayne Jackman

Wayne is excited to be a new addition to our Florida mortgage team. He has over twenty years of mortgage experience both as a loan officer and an underwriter in the Florida market. Wayne has been a Florida resident for the past 42 years and is a graduate of University of Central Florida. He brings experience in all forms of mortgage lending products and is looking forward to being part of the Northwest Federal Credit Union family. 

Ryan McManus
Ryan McManus
Ryan is a graduate of University of Central Florida with over 20 years of experience in different facets of mortgage lending, including: origination, servicing, underwriting, and technology. Ryan is excited to be working for a credit union again, and is focused on helping members navigate the mortgage loan process, whether for a purchase, refinance, or equity loan. 

Michele Murphy

Michele Murphy
Michele is a recent addition to the Northwest Federal family, currently working as a mortgage loan officer in our Maitland, FL branch. With almost 15 years of experience as both a senior-level processor and underwriter, Michele is an invaluable resource for all of our members using her extensive knowledge to insure a seamless and timely process. Michele especially prides herself on providing assistance to first-time home buyers or any members with complex scenarios. Michele is eager to share her unique background with members, in the hopes of demonstrating the home loan process (regardless if a purchase, refinance, or equity loan) can be simple, easy, and even stress-free! Michele is excited to serve members and be a trustworthy guide to their home loan needs. 

North Carolina team

Scott Cestari
Scott Cestari
Scott recently joined the Northwest Federal team as a mortgage loan officer in the Raleigh/Cary North Carolina office. Scott brings with him over 12 years of  mortgage lending experience and looks forward to using his expertise to assist Northwest Federal members. Scott makes it a priority to make sure borrowers understand all of their options fully and he takes the time to explain the transaction in detail. Whether it’s a pre-approval, purchase of a home, refinance or even a home equity loan, Scott takes pride in ensuring a smooth process for his borrowers and helping them achieve their goals.

Christine Fahmy

Christine Fahmy
Christine comes to Northwest Federal with over 23 years of retail banking and credit union experience. With experience in mortgage origination and home equity lending, Christine has the depth of knowledge needed to guide borrowers through each and every step of the home buying process. She is dedicated to providing a high level of member service and ensuring she finds the right loan and term to fit each unique situation. Christine understands that purchasing a home or even doing a refinance can be a daunting process for some and she does everything in her power to make the process as smooth as possible.

Jayson Love

Jayson Love
Jayson is committed to providing the American Dream through impeccable service while treating his clients, referral partners, and team with unyielding integrity and care. His experience in the US Army helped mold him into the professional he is today. Jayson takes his responsibilities seriously and works to provide a high level of service to each member he encounters. He considers effective communication to be paramount in the home buying process and he makes it a priority to ensure all parties receive the information they need throughout the process. Jayson genuinely cares about members and seeks to help them succeed in meeting their financial goals. His goal is to make you a “Raving Fan”!

Sean Paynter

Sean Paynter
Sean is a recent addition to Northwest Federal’s Raleigh office location. Sean is joining the team as a mortgage loan officer and plans to use his experience in the United States Marine Corps to help the members of Northwest Federal. Sean’s attention to detail will ensure that members have a clear understanding of every step of the process. Moreover, his top-notch communications skills will help him to provide clear and timely information to applicants. Sean takes his responsibilities as a loan officer seriously and he works to ensure a high level of service is provided. Sean looks forward to meeting new applicants and explaining the benefits of Northwest Federal.