Navy fed must be talking about VA loans, or eligable harp loans.
Any mortgage bank should be able to do that.
Are you eligable for a VA loan?
You will take a hit if they do a prequal but nothing drastic. I am not sure if you can do a refi with that loan. I just read that you can use it for a refi. Might be worth a shot to see what they say. I used NF and had a great outcome.