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Click on a team member above to schedule an appointment and submit an application. Our lending representatives will help you decide which mortgage option works best for you!


We’ve got the keys to your new home

Whether you’re a first-time home buyer ready to take the leap into home ownership or a current home owner who’s moving to a different location, turn to Northwest Federal for a turn-key home loan:

  • Earn Cash Rewards1, saving you thousands when you buy and/or sell a home with an approved HomeAdvantage® agent.
  • Get a FREE pre-approval and let sellers know you’re serious.
  • Save on out of pocket costs with our great rates and no/low down payment mortgage options including Homebuyer's Edge2 in which well-qualified borrowers can benefit from 100% financing and lender paid mortgage insurance (PMI).
  • FREE Rate Drop Re-lock: Once you apply for a mortgage to purchase a new home or refinance your existing home and lock in your rate with a mortgage lending representative, you can re-lock to a lower rate one-time at no cost to you!3
  • Get help selecting an expert agent who will make finding your perfect home an enjoyable experience.
  • Earn bonus points on NOW REWARDS credit card4 with a Northwest Federal mortgage. Get 1,000 points for every $10,000 borrowed to up a maximum of 10,000 points.
  • Enjoy excellent service every step of the way with our Timely Closing Guarantee!5

HomeAdvantage is available to you through your membership with Northwest Federal Credit Union. Cash Rewards are available to members who register to use HomeAdvantage and who use a real estate agent in the HomeAdvantage network to buy or sell their home. 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 are void where prohibited by law or the lender. Please consult with your credit union to get details that may affect you.

Not all borrowers will qualify for Homebuyer’s Edge; credit qualifications apply.  Private Mortgage Insurance (PMI) is required to be paid by the lender.

3Mortgage applicants can request a one-time only free rate float down on first mortgage applications received thru 12/31/23. Subsequent break locks will result in the standard $500 fee. Offer is subject to change at any time. Speak with a mortgage lending representative for details. 

Bonus points will be added to your NOW REWARDS account upon obtaining a qualifying Northwest Federal mortgage. Some restrictions apply. Not valid on refinance of an existing Northwest Federal loan. Must be NOW REWARDS cardholder prior to closing on mortgage to receive bonus points. Offer valid as of 1/1/23 and subject to change. 

Timely Closing Guarantee applies to all purchase money applications for a limited time only. Closing date must be at least thirty (30) days from the date NWFCU receives the completed application and a copy of a fully executed contract to purchase. If closing delay is due to circumstances under the control of NWFCU a lender credit of $500 will be applied towards closings costs not to exceed actual costs. Cash back to borrowers is not allowed. Closings delayed due to processing delays associated with third party approvals, service providers or applicant time delays in providing prompt and complete information and documents as requested are not covered by guarantee. Standard qualifications apply. All loans are subject to final credit approval.