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Last Updated: 10/10/2025

PenFed Credit Union Mortgage

Q: What mortgage programs are available?

Besides conventional mortgages , PenFed mortgage offers the following mortgage types: Jumbo loans: Any mortgage with a loan amount above the conforming loan limits set by the Federal Housing Finance Agency. VA loans: A zero down payment mortgage or a refinance of up to 100% of the home's value for... Learn More at SuperMoney.com

Q: What is the support contact email?

The support contact email for is info@hq.penfed.org .

from PenFed Credit Union

Last Updated: 10/10/2025

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Highlights

Credit Score Range

620 - 850

Amount Range

Up to $5,000,000

Loan Term (Years)

1 - 30

PenFed Credit Union Mortgage Review

PenFed Credit Union Mortgage is offered by PenFed Credit Union (NMLS #401822), a credit union founded in 1935 and based in Tysons, VA. PenFed mortgage are available in 50 states and Washington, DC.

Key Takeaways

Only two mortgage programs offered. PenFed Credit Union Mortgage provides VA jumbo conforming and conventional mortgages.
Financing for single-family and multi-family properties. However, PenFed Credit Union does not offer financing for manufactured homes.
Standard interest rates types.
No primary residences considered. PenFed Credit Union Mortgage does not offer financing for primary homes.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Fair credit accepted. Borrowers with a credit score as low as 620 may qualify for PenFed Credit Union Mortgage.

PenFed Credit Union Mortgage Pros & Cons

Pros

Cons

Considers applicants with fair credit.
Offers financing for single-family homes, multi-family homes, and townhomes.
Available in all 50 states.

Charges an origination fee.
Charges prepayment fees.
No co-sign option available.

PenFed mortgage FAQ

How much can you borrow via PenFed Credit Union?

PenFed mortgage allows borrowers to apply for loan amounts of up to $5,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What is the maximum loan term you can get with PenFed mortgage?

PenFed mortgage offers mortgages with terms ranging from 1 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What mortgage rates does PenFed Credit Union offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Do they charge mortgage origination fees?

Yes, PenFed mortgage may charge a loan origination fee .

What mortgage programs are available?

Besides conventional mortgages, PenFed mortgage offers the following mortgage types:

Jumbo loans: Any mortgage with a loan amount above the conforming loan limits set by the Federal Housing Finance Agency.
VA loans: A zero down payment mortgage or a refinance of up to 100% of the home's value for American military members, veterans, and their spouses. VA loans offer competitive mortgage rates, and don't have a minimum credit score. However, the mortgage lenders that offer them will typically require a credit score of at least 640.

What is the customer service phone number?

The customer service number for PenFed Credit Union Mortgage is (800) 247-5626.

What is the support contact email?

The support contact email for is info@hq.penfed.org.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

7940 Jones Branch Dr

Tysons, VA 22102

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:00AM - 4:00PM

Tuesday

8:00AM - 4:00PM

Wednesday

8:00AM - 4:00PM

Thursday

8:00AM - 4:00PM

Friday

8:00AM - 4:00PM

Saturday

Closed

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PenFed Credit Union Mortgage Community Reviews

Would you recommend PenFed Credit Union Mortgage to your friends?

Pamela T.

Jun 7, 2022

May or may not recommend

After prequalifying for a HELOC with a 48% dti, suddenly my dti was changed to 58% upon underwriting review with no explanation! Of course I had made no new debts during the mortgage process, and my income and debts were exactly the same as originally submitted. They are entirely incompetent and went out of their way to avoid explaining what figures they used to "recalculate" the DTI resulting in ...Show More

Charles P.

Mar 14, 2022

May or may not recommend

I applied for a refinance on a rental property 40 days after I paid off a property I had with Pen Fed spoke with loan officer she took my info pulled my credit never called me back return my phone calls or emails. After 11 days I call the mortgage department to complain and remove my application they told me it was decline due to my debt to income ratio ...Show More

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