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Why Use a Credit Union?

Credit unions have had a significant positive impact on the lending industry. Today, access to credit union services offers significant value for informed borrowers.

What Do Credit Unions Do?

Credit unions accept deposits from members who are actually owners of the credit union.  Credit unions then lend out that money to their members in a variety of loan products.  Credit unions usually only offer those products and services that will be requested most by the majority of its members.  However, since credit unions stress delivering member value, rates might be better at a credit union than those offered by banks.

A credit union also:

  • Explains financing program options
  • Informs you of lock-in options
  • Explains all documents of the loan application
  • Explains all associated costs of the loan application
  • Explains the disbursement of all loan applications
  • Explains the loan process, from application to closing
  • Provides you with a good faith estimate of costs and fees
  • Communicates with you throughout the loan process in a timely manner
  • Coordinates the final closing of your transaction

What is NGFCU

Northrop Grumman Federal Credit Union NGFCU, is a member-owned financial cooperative that primarily serves employees, retirees and family members of Northrop Grumman Corporation and the Los Angeles Metro. Tailoring its products and services to the particular requirements of those groups, NGFCU maintains service alignment with the lifestyle and career journeys of its members. NGFCU members share the value of lower rate loans, higher dividends on savings with fewer and lower fees.

NGFCU Handles the Details!

NGFCU’s experienced team offers expertise and personalized service in residential mortgage lending...from home purchases to refinances. Our home loan specialists are dedicated to finding the financing that is right for you - with a competitive rate, fair terms and low costs.

But that's just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.

There are literally thousands of variables that can affect the outcome of your home loan transaction. That's why you need NGFCU to act as a liaison between the title and escrow companies?, real estate agent, current lender, appraiser, credit agency, the underwriters, the processors, attorneys, and any other services which may impact your transaction.

Northrop Grumman Federal Credit Union is here to serve and support you on your successful path to home ownership.

Northrop Grumman Federal Credit Union
879 WEST 190TH STREET, GARDENA, CA  90248
Toll Free:  (888) 643-2873
HomeLoan@ngfcu.us
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