Navy Federal Credit Union


Navy Federal Credit Union

NFCU - Membership restricted to active and retired military and government employees, as well as immediate family.

Members: 74
Latest Activity: Oct 13, 2014

NFCU Contact Information


 Click the button to hire a Short Sale Agent Superstar in your area

NFCU General Customer Service - 800-368-3657 - Must have member account number

Mortgage Collections Dept.
Fax: #703-255-7947
Phone: #800-258-5948
Short Sale FAX (703) 255-7947
Letter of Authorization Fax 1-866-917-1877 or 866-282-5682

P.O. Box 23800
Merrifield, VA 22119-3300

Email format: FirstName(underscore)

REQUIRED Short sale docs:

UPDATED authorization to above package:



Discussion Forum

Navy Federal Second - Charged Off

Started by Janie Booth. Last reply by Kim Chitwood Aug 28, 2013. 2 Replies

Does anyone out there have any experience settling Navy Federal 2nds that have gone to charge off? Both negotiators that have been handling our account/covering for the other have ben MIA on sick…Continue

New HAFA rules

Started by Tracy. Last reply by Tracy May 6, 2011. 3 Replies

I am a homeowner facing pcs with a house worth about 140,000 we owe 160,000.  I am reading this information on the HAFA program regarding short sales.  I was wondering if anyone knows anything about…Continue

NFCU ShortSale in AZ - Should I continue to make payments?

Started by Michelle. Last reply by Kevin - Greenville, SC Apr 3, 2011. 1 Reply

I own a home in Phoenix, AZ that I purchased in Oct 2004 ... I purchased the home through a mortgage broker and later refinanced the exact $$ amount of my mortgage with my credit union - Navy…Continue

Tags: sale, NFCU, Short, Union, Federal

Options with Navy Federal

Started by Samson_is_Furry. Last reply by Janie Booth Apr 2, 2011. 1 Reply

Hi folks,  I have a mortgage through Navy Federal that is owned by Fannie Mae. I owe 265,000 and was told by a realtor that I should list it at 257,000. I have about $10,000 cash in the bank. I don't…Continue

Comment Wall


You need to be a member of Navy Federal Credit Union to add comments!

Comment by Adam Woodhall on December 17, 2013 at 11:46am

Any news with Navy Fed, everyone? Positive, negative, objections overcome?

Comment by Darlene Parker on April 17, 2013 at 11:21am

I am just starting the process of a short sale- faxed in my short sale application from a NFCU branch 5 days ago, got a confirmation as well; called today, and they said they don't have it, don't know where it could be, would not transfer me to a manager, and had no suggestions.  We have an offer on the house.  I'm at a loss for words- how do they lose a package?  Any emails or phone numbers available for supervisors in the Loss Mitigation Dept of NFCU?  I thought it was mandatory that they respond and treat people like human beings now because of the new regulations?  Is that not right?  Thanks for your help.

Comment by Seth on August 18, 2012 at 6:30pm

Any recent news or updates as to how short sales are going with NFCU? Have a 2nd with them and don't even know if it would be worth the fight. Got out and starting school, can't afford the mortgage anymore, and am upside down for just about the amount that the 2nd mortgage is with NFCU. Was for 30,000. Paid down to 24,000. Thanks.

Comment by Tiffany Abbiate on January 4, 2012 at 1:14am

Does ANYONE Have ANY Escalation Contacts For Navy Federal? Anyone? Getting A Bit Desperate Here On 2 Separate Files . . ..Thank You In Advance! ( / 619-889-7207).

Comment by Janie Booth on December 31, 2011 at 2:50pm

Hi Sarah...I'm in North County and have helped other military families with short sales and have had success with Navy Fed. It will depend on how upside down you are and your financials. You definitely have the hardship (move). Need a little more info. You can call me at 760-703-7997 or email at Best to you! Janie

Comment by Tiffany Abbiate on December 31, 2011 at 2:07pm

Sarah - Please email me directly - I am in San Diego and would like to discuss your situation with  you. NFCU is definitely a difficult lender to work with and you will need someone that is well versed in short sales to handle your transaction. 619-889-7207 or - Looking forward to speaking with you!

Comment by Sarah on December 31, 2011 at 11:51am

We have a house in San Diego that we are upside down in.  Tried to do a modification with NFCU but were denied because we make too much money.  We will be PCS-ing to DC in late spring.  We orginally wanted to get a mod on our mortgage to get the interest rate down (currently paying 6.75%).  We figured if we could get the payment down we could rent the house for what our payment is and not be struggling with paying rent for a new place and having to make up the difference on our mortgage.  So now we are exploring the short sale avenue.  Our house is a Fannie Mae home and we don't have PMI.  Does anyone have any short sale experience with this kind of scenario?  I know CA is a no recourse state.  Just looking to see if anyone has had any luck with NFCU doing a short sale without them looking for a promissary note.

Comment by Terry Parrish on November 17, 2011 at 3:15pm


I have a file that has been with the Negotiator since Oct 11th.  Full file submitted mid Sept.  I was expecting to hear from the Negotiator this week, when I call in I cannot get transferred to her, am put off to call back or told I should hear from her soon - I have left messages for her to contact me.  If I don't hear from her by mid next week I am escalating the file - does anyone have the information to escalate?  Please email to me at


Thank you!

Comment by Michele Murphy on November 16, 2011 at 8:05pm

This is my personal case, the owner of the home. I’m also a License real-estate agent in the state of Virginia. My Home is in Ohio. My husband is active duty E-7 with 25 years of service. Our credit score is 780 and 800. We are going to be transfer in July, 2012 to California. All our accounts (Mortgage, Checking, Savings, Car, Credit Card) are with Navy Federal we have no other bank. After reading all this here on this site we been thinking to change everything to USAA and have already talk with USAA about the transfer of our accounts but did not mention our situation to them. We have not talk to NFCU yet. We Never been late on the payments and can afford the home. Our problem is we have to PCS this summer. I listed the house in July of this year FSBO but paid a realtor to get it on the MLS and I’m paying commission to buyer agent. The listing price was the purchase price that we paid 3 years ago $275,000 for about 2 Weeks. Then I change it for what I have currently listed for $259,999. I had a lot of showings but no offers. We can lower it even more though I know is well price. The house 3 years ago when we bought it appraise $10,000 above the purchase price. I’m willing to lower it to what we owe on it plus $15,000 more ($230,000) that is the amount we have in savings. But my worry is, what happened if I still can’t sell it after we do that!! All we have left is 8 months before we have to move. We can refinance the car with USAA (is almost paid for) and get another $15,000. We already talk with USAA and that is how I got that number. They don’t know what I will be using the money for, I said a vacation maybe. We have another car that is paid. But I hope it does not come to that. The reason we thought about refinance the cars is because we will be getting a 3.75 inertest rate. That is better than a personal loan and we can pay it in 3 years. I just don’t want to wait until May to talk to NFCU. Because I know that a short sale can take a long time. We don’t want to foreclose or go bankrupt. I need help I don’t know what to do. The reason we cannot sale the house is because our price is too high for the area is not because the house went down in value. I know now (not when we move here) that it will sell eventually but it will take time to sell. Below are my Loan Facts:
10 year interest only Conventional Loan with PMI, Purchase Price: $275,000, 10% Down Loan amount $247,500, Date of purchase August, 2008. My husband and I are the only ones on the loan.

Comment by DeeB on November 15, 2011 at 3:41pm

Hi Mike, we submitted an offer to the sellers on 9/22/2011, the BPO was completed by 10/28/2011.  NFCU approved the short sale on 11/3/2011, but the sellers were still negociating with them on the amount of the promissary note.  Then on Wednesday, 11/9/2011, they (NFCU and the sellers) agreed to terms, and we have the final approval from NFCU.  We have to settle/close by 12/20/2011!!  So a little over six weeks to get final approval!  We have tentatively set the closing for the first week of December!  Thrilled!



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