Mortgage Loans

Loan Statement Copies$2.00 per copy
Returned loan payment $29.00 for all products except FHA loans, whose fee will depend on the state where the loan is originated. FHA returned loan payment fees are as follows:

$10.00 (AL, PR, VI)

$15.00 (AK, AZ, CA, CO, DC, DE, GA, HI, IA, KS, KY, MD, MO, MS, MT, NC, ND, NE, NM, NV, OR, PA, Pacific Islands, SD, UT, VA, WA, WV, WY)

$20.00 (FL, ID, IL, MI, MN, NJ, NY, OH, SC, TN, WI)

$25.00 (AR, CT, IN, LA, MA, ME, NH, OK, RI, TX, VT)
Late chargesGenerally 4% of the principal
and interest (3% in MA and
2% in NY, by law)
Mortgage Origination Fee1.00% of loan amount *
Extended Lock Fee
(not available for Refinance Loans)
    90 day0.125% of loan amount *
    120 day 0.25% of loan amount *
Freedom Lock Program Fee0.25% of loan amount *
Home Buyer's Choice Funding Fee0.50% to 1.75% of loan amount
VA funding fee (varies according to down payment) 0.5% to 3.3% of loan amount *
Conventional Mortgage Conversion Fee
    Adjustable Rate Mortgage (ARM) $250.00
    7-Year Balloon $250.00
Credit Bureau Report (per borrower)$18.15 **
Appraisal (varies by location)$350.00 and up *
Lenders Inspection $8.00 to $100.00
Flood Certification (except FEL/HEL) $7.00 *
Tax Set-up$5.00
Tax Service Charge
    Escrowed loans$45.00 to $205.00 *
    Non-escrowed loans$25.00 *
Private Mortgage Insurance - Conventionalvaries by loan type
Recording Fee (except FEL/HEL)varies by location *
Changing programs more than once (First change free)$245.00
10 day rate extension fee0.25% of loan amount
Mortgage Modification fee$750.00
Assumption feevaries by loan type
Payoff release for first mortgage loansvaries by location *
* Fee represents the actual amount charged to Navy Federal by third parties and/or
government offices.
**This fee represents the actual amount charged to Navy Federal by third parties and/or government offices. This fee is required to process your application and is charged at the time of application. For home equity line of credit applications, you may request a refund of this fee within three days of receipt of your application disclosures.

Click here for an example of a mortgage payment based upon $150,000 loan amount.

More Mortgage Loan Information