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 First-Time Home Buyer loan.
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.
Find Your Perfect Home Loan with Apple FCU
We know buying a home can feel like a huge task. Here at Apple FCU, we work to make the process as stress-free as possible and offer our members the best possible experience. Learn more from our Mortgage Loan Originators.
Lock & Shop
In an uncertain housing market, fluctuating interest rates can add to the stress of buying a new home. Get peace of mind by shopping for a mortgage with Apple's Lock & Shop program.
With a traditional mortgage pre-approval, you cannot lock your rate until you’ve found a property. With Lock & Shop, you have the freedom to shop without worrying about rising rates.
A mortgage rate lock is an agreement that a lender will not increase your interest rate for a period, even if rates rise. When you shop for a mortgage with Lock & Shop, Apple will agree to lock in an interest rate and protect that rate for FREE for 30 days.* Plus, if interest rates drop, Apple will adjust your agreement to honor the new market rate.
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Step 1:
Get pre-approved and sign Lock & Shop agreement.
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Step 2:
Lock in your fee-free interest rate for 30 days.
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Step 3:
Look for your new home!
Even the smallest interest rate increase can end up costing you thousands of dollars over the course of your mortgage. Our Lock & Shop program lets you breathe easy while you hunt for your dream home.
Speak with an Apple FCU Licensed Mortgage Loan Originator to learn more about how you can take advantage of our Lock & Shop program.
*Lock and Shop Program (“Program”) will guarantee your initial interest rate for up to 30 days while you shop for a home. To be eligible for the Program, borrower must complete a loan application and be pre-approved for a mortgage with Apple FCU. No property address is required when completing the application. Borrower must supply the fully executed purchase and sales contract within 30 days of signing this agreement. Once received by Apple FCU, the borrower's interest rate will be locked in at the guaranteed rate for an additional 60 days. If interest rates have gone down during the 30-day period, they will receive the lower rate in effect on that day. This Program only applies to home purchases to be funded by Apple FCU using conventional loan programs for single family dwelling units only and excludes second liens, investment properties, refinance loans, renovation loans, nonpurchase money home equity lines of credit, interim construction loans or other temporary financing, loans brokered to or by Apple FCU, loans involving short sales, or any other purchase contract that requires the approval from a third party (e.g., a lender, relocation company, etc.). The Program may be amended or terminated at any time except as to qualified home purchasers with submitted applications prior to the date of the amendment or termination. The Program is not transferable or assignable.
HomeAdvisor
Don't let the complexities of real estate transactions overwhelm you. Embrace a new era of home buying with Apple FCU's HomeAdvisor program!
HomeAdvisor is your ultimate partner in navigating the complex world of real estate transactions. Through cutting-edge technology, it revolutionizes the way you buy and sell homes by connecting you with local experts and giving you cash rewards at closing.*
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Step 1:
Connect with a Home Advisor
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Step 2:
Match with a Local Agent
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Step 3:
Get Help from a Moving Concierge
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Step 4:
Enjoy Cash Rewards
Join our growing community of satisfied Apple FCU homeowners and experience the future of home buying and selling with HomeAdvisor. Your dream home is just a few clicks away!
*Cash rewards only available in 42 states. The following states do not allow cash rebates to real estate customers: Alaska, Iowa, Kansas, Mississippi, Missouri, Oklahoma, Oregon, or Tennessee.
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.
Karen Diaz
I serve the following branches:
Sherry Messersmith
I serve the following branches:
Ariel Moya
I serve the following branches:
Paul Seaton
I serve the following branches:
Julie Yocum
I serve the following branches:
More Helpful Resources
No Closing Costs* and Locked-In Rates for 2025 on HELOCs
Our Home Equity Line of Credit just got even better.
Loan Programs, Rates and Fees
Check out our current rates and information for our mortgage loans.
Home Buying Seminars
Learn tips and tricks about the home-buying process from professionals.
