Welcome to the NGFCU Concierge Home Loan Services and information website. Let your home financing journey begin with:

• Personal attention - Dedicated loan officer concierge
• Priority service - Same day pre-approval
• Big Savings - No application fee. On home purchases you may also get a 20% rebate on the real estate agent's commission* and escrow fees**

We offer some of the best home loan tools available on the Internet - easy, convenient, online shopping for excellent loan programs and the most current rates available. An experienced loan officer will guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
 

Helpful tips:

• The Calculator in the module to the right assumes a purchase in CA for all loan programs chosen.  Conforming Loan Limit is $484,350.  Any loan greater than that will show calculations for a Jumbo Loan.
• All our samples and examples assume a borrower with excellent credit. Rates are subject to change without notice. Loan Level Price Adjustments (LLPA) may apply.  Accuracy is not guaranteed and products may not be available for your situation.
• We offer great rates and low fees, and a reduced origination fee of $995.00. Please go to our Resources & Tools for current Home Loan Rates and Programs. You will be able to choose and see sample rates and payments for our Loan Programs.

	Purchasing a new home? Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
	Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
	Remodeling your home? If you are planning on remodeling your home - whether it is your kitchen, bathroom or backyard - you can contact one of our home loan professionals who will help find the right financing for you.

* 20% commission rebate is determined by the action side commission paid to the Berkshire Hathaway HomeServices Broker at the close of escrow. If the Berkshire Hathaway HomeServices Broker receives a commission, the NGFCU member will receive a 20% cash rebate off of the Broker’s gross commission. Not all states qualify. Ten states currently have laws that ban rebates. Nine states have a full ban on broker rebates: Alabama, 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.

** Where applicable. Subject to change without notice.