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Apply for a Loan

At NRLFCU, it’s easy to apply for a loan online

Whether you’re buying your first—or fifth—home, a new car, or any other large purchase, NRLFCU has the right loan for you. Our experts will provide you with the facts, guidance, and advice you need to make your dream come true.


Consumer Applications

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Mortgage Application Notice

We estimate our processing time from application to settlement to be approximately 30 days or less for first trusts and 10 days or less for second trusts. Your application will be professionally processed in the order in which it was received.

To expedite the processing of your mortgage request, please complete the loan application in its entirety. After submitting your application to the Mortgage Department, please fax the additional documents that are needed in order to process your request. The necessary documents are as follows:

  • Two pay statements covering a recent 30-day period
  • W-2 statements or tax returns for the most recent tax year
  • The application fees: For first trusts—$433 to cover the appraisal ($400*), credit report ($23) and flood zone certification ($10)
    *Appraisal fee may vary depending on property location, property type and loan purpose.

Please note that the Mortgage Loan Officer will contact you to finalize your loan application prior to processing your fees.

You may lock in your rate at the time of application. If you wish to lock in your interest rate at any point once the application is submitted, please contact the Mortgage Department at 301.839.8429. Our fax number is 301.916.9628. Please be advised that additional documentation and fees are required in order to effect a lock-in.

Only NRLFCU members in good standing may apply for loans. If you are not a member, click here.

Apply for First Trust Mortgage OR Second Trust / Home Equity Loan

Mortgage Loan Officer NMLS ID#
Andrew Garcia 1606115
Angelica Andrade 1493234
Denine Messersmith 718779
Danielle Schaefer 718784
Denise Williams 718782
Francisco Martinez 1333791
Jean Allen 572439
Katrina Bennett 1060291
Laureen Baddoo 1280631
LaTonya Turpin 910845
Lottie Webb 938057
Lynda Williams 718794
Melanie Grant 1614722
Monet Caldwell 1213942
Millod Shahsiah 1114193
Paula Payne-Stokes 1588127
Rachel Clark 718788
Robin Wood 1639122
Salma Haddad 718786
Sharie Thompson 1606114
Sherlyn Jones 718778
Tina-Marie Tremblay 718797
Tony Womble 1588126
Victoria Jenkins 1493235
Victor Salas 1493236

NRL Federal Credit Union NMLS ID#491160