Mortgages

Unlock the door to your dream home

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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 an approval quickly. We can help you finance properties within Virginia, Maryland, West Virginia, North Carolina and the District of Columbia.

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.

Loan Options

First Time Buyer
Rates

If you dream of owning a home, but you can’t afford a large down payment, you’ll benefit from our affordable 5/5 Adjustable Rate 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
To qualify as a first-time buyer, you can’t have owned a home in the past three (3) years.
Apply Now
Fixed-Rate
Rates

If you want the security of knowing that the market rates will not change your monthly payment and you plan to stay in this home for at least 10 years, consider our Fixed-Rate Loan.

  • Available in 10, 15, 20, and 30-year terms
  • Borrow from $50,000 to $453,100*
  • Jumbo mortgages up to $1,000,000 are available
  • No origination fees or points
Apply Now
Adjustable-Rate
Rates

Choose our Adjustable-Rate Mortgage (ARM) and you’ll start out with a lower initial interest rate than most fixed-rate loans. The trade-off is that the interest rate can change periodically and the monthly payment may go up or down accordingly.

  • 5/1, 7/1, and 10/1 ARM with 30-year repayment terms available
  • Borrow from $50,000 to $453,100*
  • Jumbo mortgages up to $1,000,000 are available
  • No origination fees or points
Apply Now

Educator and First Responder Mortgage Program 

Designed for those who help the community most, we’re here to help you save even more on your new home. Whether you’re buying for the first time, refinancing a current home or hoping to tap into your home’s equity, we have loan options for you.

  • 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
Apply Now
Refinance
Rates

Are you looking to lower your monthly mortgage payment or improve the terms of your current loan? Contact us to discuss ways we can help.

Apply Now
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 title or take on additional monthly mortgage payments. 


Apply Now

Select “Apple Federal Credit Union” as your institution.

 

Ask a Question about our Home Loans

*Conforming loan limits may vary depending on property location. Property values are based on the lesser of the current appraisal value or the current tax assessment. Independent appraisals are not accepted.

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

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Home Buying Tips

Do you feel overwhelmed thinking about buying a home? It may not be as challenging as you think. Apple Federal Credit Union’s quick and simple overview of the buying process helps it all make sense.

View all videos

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