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    Enter loan details in the tool below. You can also select any desired loan features or a type of loan. We'll provide a list of PenFed loans that meet your requirements.

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    All mortgage options listed below.

    Your rate, payment, and costs, could be higher. Get an official Loan Estimate before choosing a loan. The following rates are based on a credit score above 720. Payment examples for fixed rate loans on this page include estimated amounts for escrow items, such as property taxes and insurance. See Learn More box for more details.

    30-Year Fixed Conforming Loan

    EST. MONTHLY PAYMENT

    $1,211.62

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    30-Year Fixed Jumbo Loan

    EST. MONTHLY PAYMENT

    $2,951.64

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    20-Year Fixed Conforming Loan

    EST. MONTHLY PAYMENT

    $567.20

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    15-Year Fixed Conforming Loan

    EST. MONTHLY PAYMENT

    $708.76

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    15-Year Fixed Jumbo Loan

    EST. MONTHLY PAYMENT

    $3,483.05

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    10-Year Fixed Conforming Loan

    EST. MONTHLY PAYMENT

    $948.39

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    30-Year VA Fixed Rate Loan

    EST. MONTHLY PAYMENT

    $456.69

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    15-Year VA Fixed Rate Loan

    EST. MONTHLY PAYMENT

    $694.89

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    30-Year Fixed High Balance Loan

    EST. MONTHLY PAYMENT

    $2,822.28

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    15-Year Fixed High Balance Loan

    EST. MONTHLY PAYMENT

    $3,080.64

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    15/15 ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 180 3.750% 3.822% $463.12
    Next 180 3.375% 3.822% $451.35

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of December 5, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than --- percentage points every 15 years (--- for this example). Since the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    15/15 Jumbo ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 180 3.500% 3.668% $2,387.08
    Next 180 3.375% 3.668% $3.375

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of December 5, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than --- percentage points every 15 years (--- for this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    5/5 ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 60 2.875% 3.583% $1,659.57
    Next 300 3.875% 3.583% $1,848.41

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of December 8, 2016, offered for a limited time and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial five year period and at each subsequent rate adjustment, with a lifetime maximum adjustment of ---% (--- for this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    5/5 Jumbo ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 60 3.125% 3.620% $1,927.69
    Next 300 3.875% 3.620% $2,088.97

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of December 8, 2016, offered for a limited time and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial five year period and at each subsequent rate adjustment, with a lifetime maximum adjustment of ---% (--- for this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    3/1 ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 36 2.750% 3.802% $408.24
    Next 324 3.875% 3.802% $464.77

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of December 8, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial three year period and at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    3/1 Jumbo ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 36 3.000% 3.768% $2,108.02
    Next 324 3.875% 3.768% $3.875

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of December 8, 2016 for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial three year period and at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    5/1 ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 60 2.875% 3.622% $414.89
    Next 300 3.875% 3.622% $462.10

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of December 8, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial five year period and at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    5/1 Jumbo ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 60 3.125% 3.700% $2,141.88
    Next 300 3.875% 3.700% $3.875

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of December 8, 2016 for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 2 percentage points after the initial five year period and at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    7/1 ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 84 3.000% 3.649% $421.60
    Next 276 3.875% 3.649% $460.22

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of December 8, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 5 percentage points after the initial seven year period and 2 percentage points at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    7/1 Jumbo ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 84 3.250% 3.674% $2,176.03
    Next 276 3.875% 3.674% $2,315.81

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of Decembr 8, 2016 for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 5 percentage points after the initial seven year period and 2 percentage points at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    10/1 ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 120 3.250% 3.676% $435.21
    Next 240 3.875% 3.676% $459.92

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of December 8, 2016, for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 5 percentage points after the initial ten year period and 2 percentage points at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    10/1 Jumbo ARM Adjustable Rate Mortgage

    Month Rate APR EST. PAYMENT*
    First 120 3.500% 3.737% $2,245.22
    Next 240 3.875% 3.737% $2,320.54

    *Payments shown do not include taxes or insurance, actual payments may be greater. Rates and offers are in effect as of December 8, 2016 for new applications only, for a limited time, and subject to change without notice. Example based on --- loan. Other restrictions apply. Rate is variable and can increase by no more than 5 percentage points after the initial ten year period and 2 percentage points at each subsequent annual rate adjustment, with a lifetime maximum adjustment of ---% (--- in this example). Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.

    • Lower Initial Monthly Payments
    • Predictable Payments
    • Higher Loan Limits
    • Faster Payoff
    • Free 60 Day Rate Lock
    • Low To No Down Payment

    Click below to sort mortgages by benefit.

    Click "Learn More" next to the mortgage benefits to get details about that mortgage and its benefits.
    scroll or swipe to see more
    • Mortgages
    • Lower Initial Monthly Payment
    • Higher Loan Limits
    • Free 60 Day Rate Lock
    • Predictable Payments
    • Faster Payoff
    • Low to No Down Payment
    •  
      • 30-Year Fixed Conforming Loan
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 30-Year Fixed Jumbo Loan
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 30-Year Fixed High Balance Loan
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 30-Year VA Fixed Rate Loan
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 20-Year Fixed Conforming Loan
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 15-Year Fixed Conforming Loan
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 15-Year Fixed Jumbo Loan
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 15-Year Fixed High Balance Loan
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 15-Year VA Fixed Rate Loan
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 10-Year Fixed Conforming Loan
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 15/15 ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 15/15 Jumbo ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 5/5 ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 5/5 Jumbo ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 5/1 ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 5/1 Jumbo ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 3/1 ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 3/1 Jumbo ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 7/1 ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 7/1 Jumbo ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 10/1 ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More
      • 10/1 Jumbo ARM Adjustable Rate Mortgage
      • Lower Initial Monthly Payment
      • Higher Loan Limits
      • Free 60 Day Rate Lock
      • Predictable Payments
      • Faster Payoff
      • Low to No Down Payment
      • Learn More