Mortgage Questions

Do you have a question about your home loan? Submit your questions to
Questions and answers may appear in the future. APGFCU will not publish member information.

Q. How can I find out my credit score?
A. You can request one free annual credit report once every 12 months from each of the credit reporting companies:

  • TransUnion
  • Equifax
  • Experian

Visit When you get your free report, you can purchase your score for a small fee.

Q. Since interest rates are low, should I refinance my home and payoff my credit cards at the same time?
A. You can include some of your high-interest rate credit cards into your mortgage refinance, as long as there is sufficient equity in your home. Please call me at 410-272-4000, ext. 5555 to discuss your options.

Q. Does APGFCU have any pre-payment penalties on home loans?
A.To clarify, a pre-payment penalty is a charge paid to the lender if your loan is repaid before the term is over. No, APGFCU does not have any pre-payment penalties on our loans.

Q. I applied for a mortgage and was told I need private mortgage insurance because my loan to value (LTV) is over 80%. What is private mortgage insurance?
A. Private mortgage insurance (PMI) is insurance written by a private mortgage insurance company to protect the lender against losses in case of a mortgage default. This is commonly required on loan transactions involving less than a 20% down payment or equity position.

Joyce Casey

NMLSR ID: 528192

Schedule your private appointment with Joyce. Weekend and evening hours are available upon request.

Cell: 443-619-3448
Office: 410-272-4000, ext 5555

Home Loan Center

321 Main Street (Behind our branch)
Bel Air, MD 21014

M-Th 8-5:30, F 8-6