Mortgage FAQs | Apple FCU

Applying for a Loan

How do I start my application?

How do I know how much house I can afford?

What will my monthly payments be?

What is the difference between getting pre-qualified versus pre-approved?

Does Apple FCU require a property inspection or appraisal?

Do I need an attorney?

Can I use my loan to purchase land?

Rates and Terms

How are interest rates set?

What affects my interest rate?

What is a rate lock?

Loan Approval and Closing

If I've been pre-approved by Apple, how long does it typically take to close?

If I want to refinance my mortgage loan, will I have to pay closing costs again?

What happens on the closing date?

How much money will be required at closing?

Will homeowners insurance be required at closing?

Paying Your Mortgage Loan

Can I have my mortgage payment deducted automatically from my account each month?

Can I make a mortgage payment online?

Who do I contact if I am having trouble paying my mortgage?

How can I cancel my mortgage payment with Apple FCU?

Is there a deadline for canceling a scheduled mortgage payment?

What should I do if I miss the cancellation deadline?

Meet Our Team

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

Schedule Appointment

Angie Solares

I serve the following branches:

703-225-3648

[email protected]

NMLS ID: 1879075

Fluent in Spanish

Sherry Messersmith

I serve the following branches:

(703)-225-1105

[email protected]

NMLS ID: 315442

Ariel Moya

I serve the following branches:

(703)-225-3723

[email protected]

NMLS ID: 2060634

Fluent in Spanish

Paul Seaton

I serve the following branches:

(703)-225-1137

[email protected]

NMLS ID: 1875068

Julie Yocum

I serve the following branches:

(703)-667-8718

[email protected]

NMLS ID: 1579692