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Buying your home

Everything you need, designed to save time and money

Team up with a nationwide network of real estate agents** and mortgage purchase advisors to find and finance the home of your dreams—plus pay no origination or appraisal fees, no credit report or tax service fees and no escrow waiver fee (if applicable)¹.

Around the corner…
Work with a local trusted network agent who truly knows the area, including homes, schools, and so much more.

Or, across the country…
Choose a trusted network real estate agent** who can make you feel right at home with your big move.

Selling your home

Flexible sales options save you time and hassle

Sell your home on your terms:

List traditionally with a trusted network agent, or
Get an immediate offer and close within two weeks without putting your home on the market², or
Receive an offer now and take up to 150 days to list your home and consider other offers², or
Sell now, then move when you are ready with our flexible leaseback option²!

Very Important Buyer¹ Benefits

Become a VIB when you choose both a PenFed network agent** and PenFed mortgage.

Lender fees waived

No Origination Fee

No Appraisal Fee

No Credit Report Fee

No Tax Service Fee

No Escrow waiver Fee (if eligible)

Save on your future refinance

VIB Buyers are eligible to refinance within three years from your original VIB loan closing date with no origination, appraisal, credit report, tax service or (if eligible) escrow waiver fees.

Access a network of agents**

Around the corner or across the county—choose to work with a trusted network real estate agent who can make you feel right at home with your big move.

Help me find a network agent**

Call 866-478-7194

or complete this form and we'll call you!

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Buying

Selling

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By clicking Agree & Submit, you are providing express written consent for PenFed, its agents, affiliates, and service providers, as well as for PenFed Realty and its agents, to contact you for telemarketing and informational purposes at the telephone number(s) provided including via text messages and/or emails, automatic telephone dialing system, artificial voice, or pre-recorded messages, even if your telephone number is registered on an internal, corporate, state, or national Do Not Call registry. PenFed does not share your opt-in to receive these communications with any other third parties for their own marketing purposes. You understand the frequency of these communications may vary. You also agree that you are the subscriber/owner of the device’s account or have been granted the authority by the subscriber/owner of said device to consent to such contact. Consent is not required as a condition of purchasing or obtaining products or services. You can opt out at any time by contacting us at MortgageMarketingOptout@penfed.org or texting ‘STOP’ in the reply to be removed from further mortgage communications via text message. Standard data messaging rates may apply. You may access and view our PenFed Privacy Policy and PenFed Terms & Conditions by clicking the links provided or going to www.PenFed.org.

I have read and acknowledged PenFed’s Affiliate Business Arrangement Disclosure

Speak to a Mortgage Purchase Advisor

Call844-885-1224

Mon–Fri: 8 am – 8 pm ET, Sat: 9 am – 5 pm ET.

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Disclosures

^**You are not required to use PenFed’s network of real estate agents as a condition of obtaining products or services from PenFed. By using PenFed’s network of real estate agents, PenFed may receive a financial or other benefit. You are free to shop around to determine that you are receiving the best services and the best rate for these services.

Affiliated Business Arrangement Disclosure

¹Members become Very Important Buyers (VIB) and are eligible to receive the lender-paid closing credit when their transaction is completed with both PenFed mortgage and the qualified PenFed real estate network agent to (1) purchase their new home, offer valid for completed purchase applications received on or after April 3, 2025, or (2) to purchase a home listed by a Berkshire Hathaway Homeservices PenFed Realty agent, offer valid for completed purchase applications received on or after October 6, 2025; subject to qualification and approval. Member must use the qualified PenFed real estate network agent assigned to member to close their real estate transaction. If member has already closed on a property or is currently using, and wishes to continue using, a non-PenFed real estate network agent, member will not qualify for this benefit. Lender-paid closing cost credits include: loan origination fee, appraisal fee, tax service fee, flood certification fee, credit report fee, soft credit report fee, and escrow waiver pricing adjustment, if applicable. Members can obtain lender and real estate services separately, but the lender-paid closing credit will not apply. Credits may be reduced if all credits received, including seller credits, have reached the maximum allowable credit limit for the selected loan product. Terms and conditions apply and are subject to change without notice. This is not a commitment to lend.

Very Important Buyer (VIB) members are eligible to receive a lender-paid closing credit if they refinance the original VIB loan with PenFed within 3 years of the origination date of their original VIB loan. The same fees are eligible to be waived as the original VIB loan. The refinance benefit can only be redeemed one time. Terms and conditions apply and are subject to change without notice. This is not a commitment to lend.

Affiliated Business Arrangement Disclosure

²Available for qualified participants and properties. Subject to terms and conditions.

To receive the advertised product, you must become a member of PenFed Credit Union, which is federally insured by the NCUA.

Your exclusive benefits include: