First-Time Home Buyer


We'll Help You Buy Your First Home

We want to share in the excitement of your first home buying experience. If you have very little to no credit, no worries. Our First-Time Home Buyer Loan offers an easy application process, manageable terms and is a great way to build credit.

Our First Time Buyer Guide will help you navigate the process.

Want to talk to a Mortgage Expert?

Our Licensed Mortgage Loan Originators are available to meet with you at the noted Apple FCU branches. Contact us to schedule a no cost, no obligation appointment.

Apple FCU can finance equities for property within Virginia, Maryland, West Virginia, North Carolina and the District of Columbia. The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of Loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-788-4800 or 800-666-7996 regarding the locations where HMDA data may be inspected.

First Time Home Buyer Mortgage

  • Low or no down payment (up to 100% Combined Loan-to-Value (CLTV))
  • Rate can adjust once every 5 years
  • Reduced Private Mortgage Insurance (PMI)
  • No prepayment penalties


If you’re in the market to buy or sell a home, it’s time to take advantage of our no cost, no obligation HomeAdvantage program. This comprehensive real estate resource is designed to make your home buying experience more rewarding. From finding a home to financing one, we can help you from start to finish.