Mortgage Loans

Our experienced team is ready to help. We’ll help you navigate home.

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Current rates
Conventional loans
  • Purchase, refinance, and cash out refinance programs
  • In-house servicing
  • First and second mortgages
  • Low down payments
  • Fixed rates
FHA, USDA and VA loans
  • Government loans
  • Down payment assistance programs available
  • Fixed rates
Home Equity Lines of Credit (HELOC)
  • Only pay principal and interest on what you use
  • Interest may be tax deductible**
  • Re-access as needed without re-applying during 7 yr draw period
  • 7 year draw period
  • To open a new HELOC, call (800) 344-3281 or email mortgage@navigatorcu.org.
Land/Lot and Investment/Rental loans
  • Land/Lot loans
  • Investment/Rental loans for single/two family dwellings
  • Fixed rates
Jumbo and TurnKEY loans
  • Call for details
We offer
  • Some of the areas lowest rates
  • Easy, no hassle, ONLINE applications
  • In-house underwriting, processing and closing on conventional loans
  • First time homebuyer programs available

First-Time Homebuyer?

Our local mortgage specialists are happy to answer all your questions, help you choose the right mortgage and assist you throughout this process.

Ready to start your home buying journey? We’re ready to help.

Set up a free, no-obligation consultation or start your prequalification today. Call (800) 344-3281 or email mortgage@navigatorcu.org.

photo of Kay Dowdy, Mortgage Lending at Navigator Credit Union

Susan Kay Dowdy
Director of Mortgage Lending
NMLS# 972453

photo of Kim Kosick, Mortgage Lending at Navigator Credit Union

Kimberly Anne Kosick
Mortgage Loan Officer
NMLS# 460039

photo of Lori Karahalios, Mortgage Lending at Navigator Credit Union

Lori Maenza Karahalios
Mortgage Loan Officer
NMLS# 1853925

Candice Fortenberry

Candice Megan Fortenberry
Mortgage Loan Officer
NMLS# 2122891

Mortgage Calculator

How much will your monthly mortgage payment be? Use this calculator to figure out your monthly payment, including your mortgage’s principal and interest payments as well as insurance and taxes.

**Check with your tax advisor for deductibility in your situation.
Membership eligibility requirements apply. NMLS# 646402. Federally insured by NCUA. Equal Housing Opportunity Lender
These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you provide and we do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. You should not take any action on the basis of the information provided through these calculators. These calculators are not investment, legal, accounting or tax advice. Please consult with your financial, investment, tax and/or legal advisors for advice regarding your personal circumstances.
NMLS NUMBERS
Navigator Credit Union
NMLS#646402
Cammie Deniece Breland
Mortgage Servicing Specialist
NMLS# 1683708
Catherine Annette Graf
Senior Mortgage Specialist
NMLS# 835525
Susan Kay Dowdy
Director of Mortgage Lending
NMLS# 972453
Elizabeth E Gibson
Sr. Mortgage Loan Officer
NMLS# 759239
Haley Wiggins
Business Origination Specialist
NMLS# 2682147
Sandra M Hutson
Mortgage Closer
NMLS# 1277387
Lori Maenza Karahalios
Mortgage Loan Officer
NMLS# 1853925
Candice Megan Fortenberry
Mortgage Loan Officer
NMLS# 2122891
James P Estrada
Commercial Loan Officer
NMLS# 593587
Kimberly Anne Kosick
Mortgage Loan Officer
NMLS#460039
Gretchen Kathryn Reid
Business Development Specialist
NMLS#1431399
Andrew John Wilson
Chief Lending Officer
NMLS# 791156