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30 Year Fixed Mortgage - 3.875% | 3.913% APR1
1Rate valid as of 1/13/12 for qualified borrowers and is subject to change. APR is based on a typical loan amount of $180, 000 with an 75% loan-to-value, the monthly principal and interest payment is $846.43. Payments quoted are examples and do not include the cost of property taxes or insurance. Your rate and payment may vary. Loans available only on primary and secondary single family residences or owner occupied condominiums located in MD, DE, VA, PA, NJ, and FL. Subject to credit approval.
5/1 ARM - 3.00% | 2.954% APR2
2Rate valid as of 1/6/12 for qualified borrowers and is subject to change. Variable rate; APR and payment subject to increase after loan consummation. Rate is fixed for the first 5 years and adjusts annually thereafter, based on a fully indexed rate. The initial rate can change every year after the first 5 year fixed period by no more than 2 percentage points, never to exceed 5 percentage points above the initial rate. Based on a typical loan amount of $300,000 with an 80% loan-to-value, the monthly payment for the first five years is $1,265. Based on the current fully indexed rate of 2.885%, after 5 years, the monthly payment would be $1,249. Payments quoted are examples and do not include the cost of property taxes or insurance. Your rate and payment may vary. Loans available only on primary and secondary single family residences or owner occupied condominiums located in MD, DE, VA, PA, NJ, and FL. Subject to credit approval.
*Limited time offer available on 5/1 Adjustable Rate Mortgages only. APGFCU will pay up to a maximum of $2,500 in closing costs for a purchase or refinance, with no cash out. Repayment of closing costs will be required if loan is paid off within 50 months of loan closing date.
Home Equity Line of Credit - 1.99% APR / 3.25% APR3
3Rates as of 1/ 6/12. The introductory rate of 1.99% APR applies for the first year. Following the introductory period, the APR may vary quarterly based on the then current Prime Rate, as published in the Wall Street Journal (currently 3.25 APR), plus a margin of 0%. Good for new accounts only; a minimum increase of $10,000 in existing credit lines is required and subject to credit approval. Rates advertised are based on a maximum Loan-To-Value (LTV) of 75%. Loans with an LTV between 75.01% and 89% are also available at different rates and terms. Adequate property insurance is required, and if applicable, flood insurance will be required. This offer is available only on primary and secondary single family residences or owner occupied condominiums located in MD, DE, PA, VA, FL, and NJ. Subject to credit approval. Offer may be changed or withdrawn at anytime.
Home Equity Loan - 3.99% APR4
4No Closing Costs and rates quoted based on a maximum Loan to Value (LTV) less than or equal to 85% and a maximum term of 5 years. Rate quoted based on Automated Payments. To qualify for the Automated Payments Interest Rate, you MUST have a direct deposit, payroll deduction, or an automated Clearing House deposit to APGFCU that is used to repay your loan. For every $1,000 borrowed at 3.99% APR for 5 years, the payment amount will be $18.42.
APGFCU will pay the closing costs on Fixed Home Equity Loans, up to a maximum of $1,200. Loans with an LTV between 86% and 89% are also available with different conditions and rates. Members may be required to pay appraisal costs when LTV exceeds 85%. If you pay off your Home Equity Loan within three (3) years, we will add any closing costs we paid on your behalf to the outstanding balance. Adequate property insurance is required, and if applicable, flood insurance will be required. This offer is available only on primary and secondary single family residences or owner occupied condominiums located in MD, DE, PA, VA, FL, and NJ. Subject to credit approval.
Home Improvement Loan
For many homeowners, it makes more sense to add on or improve than to move on. When you're ready to make improvements to your home, let us help you finance your project. We offer home improvement loans and other options. We'll help you decide which loan option would be best for you. And, our loan rates could make that project even more affordable. Let us help with your next home improvement project.
For more information, contact a Member Service Representative at 410-272-4000 or 1-800-225-2555, press four.
Mortgage
Owning your own home is the dream of a lifetime. When you're thinking of buying a home or refinancing your mortgage - come to us first. At APGFCU, we can help you finance a new home or take advantage of the equity in your existing home. The professional staff at our Home Loan Center has been helping members meet their mortgage needs since 1972. With a variety of financing options, they can "custom fit" a loan that's right for you.
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