
Unlock the Door to Your Dream Home
Buying a home is about so much more than a mortgage. Of course, we’d love to help match you with the best home loan for your needs, but did you know we can guide you through the entire buying process from pre-approval to closing? We’ll help you find an agent, search for homes online and so much more.
When you’re ready to buy, because we offer local underwriting, you’ll receive a decision quickly. We can help you finance properties within Virginia, Maryland, West Virginia, North Carolina and the District of Columbia.
Fixed Rate Mortgage
If you want the security of knowing that market volatility will not change your monthly payment, and you plan to stay in this home for at least 10 years, consider our Fixed-Rate Loan.
Features
- Various terms available
- Borrow from $50,000 to $3,000,000*
Apple FCU can finance properties 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.
Adjustable-Rate
With an Adjustable-Rate Mortgage (ARM), you’ll start out with a lower initial interest rate than most Fixed-rate Loans. The trade-off is that the rate can change periodically and your monthly payment may go up or down accordingly.
Features
- Various terms available
- Borrow from $50,000 to $3,000,000*
Refinance an Existing Loan
Are you looking to lower your monthly mortgage payment or improve the terms of your current loan? Contact us to discuss how we can help.
First Time Buyer
If you dream of owning a home, and can’t afford a large down payment, you’ll benefit from our 5/5 Adjustable Rate Mortgage.
Features
- 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
Educator, Military and First Responder
Designed for those who help the community most, we’re here to help you save. Whether you’re buying for the first time, refinancing or hoping to tap into your home’s equity, we have loan options for you.
Features
- 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
Reverse Mortgage
Designed for homeowners ages 62 and older, a Reverse Mortgage allows you to convert part of the equity in your home into monthly income or cash without having to sell the home, give up your title or take on additional monthly mortgage payments.
HomeAdvantage
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.
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 properties 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.
More Helpful Resources

No Closing Costs for HELOCs*
Tap into your home's equity to cover costs and prepare for life's planned and unplanned expenses.

Rate & Review for a Chance to win $250!*
We're giving away $250 each month to two members for providing online ratings and reviews for our products.

Home Buying Seminars
When you are thinking about hunting for a home, a home buying seminar can provide invaluable knowledge and advice on managing the home buying process.
No Closing Costs for HELOCs*
A Home Equity Line of Credit can help you easily tap into your home's equity to cover the cost and prepare for life’s planned and unplanned expenses.
Rate & Review for a Chance to win $250!*
From now through March 31, 2023, we’re giving away $250 each month to two members for providing online ratings and reviews for our products.
Two Minutes to a Terrific New Rate
Refinance your auto loan with Apple FCU between now and March 31, and you’ll be entered into a drawing to win a free $100 gas card.