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Navy Federal Credit Union Military Choice Loan

Navy Federal Credit Union Military Choice Loan is a grant for homebuyers in Statewide, California.

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The program asks for

  • The home is occupied as a primary residence
  • Sourced via Homebuyer Wallet (NT20250018). Restricted to active-duty military and qualifying veterans (eligibility specifically for those who have used VA loan benefit OR ineligible for VA). Membership in Navy Federal required.

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

How to apply

  1. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  2. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Questions about this program

What is Navy Federal Credit Union Military Choice Loan?

Navy Federal Credit Union Military Choice Loan is a grant for homebuyers in Statewide, California. Military Choice mortgage from Navy Federal. 100% LTV. No PMI. 30-year fixed. 100% LTV first mortgage for active-duty military and qualifying veterans. No PMI, no down payment, lower funding fee than Homebuyers Choice. 30-year fixed. This is a nationwide program, so it is available beyond a single state or city.

Do you have to pay it back?

Navy Federal Credit Union Military Choice Loan is structured as a grant, so it is not repaid. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Navy Federal Credit Union Military Choice Loan is open to homebuyers who will live in the home as their primary residence. Sourced via Homebuyer Wallet (NT20250018). Restricted to active-duty military and qualifying veterans (eligibility specifically for those who have used VA loan benefit OR ineligible for VA). Membership in Navy Federal required.

What kind of home can it be used for?

Navy Federal Credit Union Military Choice Loan can be used for Single-family, Condo, Townhouse.

Is there eligibility for specific groups?

Navy Federal Credit Union Military Choice Loan names veterans, active-duty service members, and reservists and National Guard members among the groups it serves. Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Navy Federal Credit Union Military Choice Loan is a nationwide program, so it is not limited to one state.

How do you apply?

Applications for Navy Federal Credit Union Military Choice Loan go through the administering agency. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

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Whether two programs can be combined is up to each agency. Ask before you apply.

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Program terms are set by the administering agency and can change; confirm on the official site before you apply.