Mortgages

Let us help you start enjoying the home of your dreams – without breaking the bank!

With rates as low as 5.375% (6.464% APR),* a speedy closing process, low down payment programs and 100% financing for qualified buyers, we can’t wait to help you into your home sweet loan.

We make it easy:

100% financing available for qualified buyers
Low down payment programs
Closing cost assistance for qualified buyers
World-class loan experts
Start-to-finish service
Extensive local knowledge

Rates As Low As:

6.750% / 6.878% APR*
30-Year Fixed

5.375% / 6.464% APR*
7/1 ARM

*See All Rates

6.625% / 7.028% APR*
VA 30-Year Fixed

ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM). The initial rate can change every year after the fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) based on a fully indexed rate (one-year Treasury Rate, plus margin) by no more than two percentage points, never to exceed five percentage points above the initial rate.

Loan Options

We offer several home loan options to fit your needs:

First-Time Home Buyers

Affordable loan programs with various financing and down payment options to help make buying your first home a breeze.

Learn More
Fixed-Rate Mortgages

Subject to approval, members can qualify for our 10- 15- 20- or 30-year fixed-rate* mortgage depending on affordability and preferences.

*Learn More about Fixed-Rate Mortgages
Adjustable Rate Mortgages

APGFCU offers adjustable-rate mortgages (ARMs) for those looking to pay lower interest for the first few years of their loan in various term lengths including 7/1, 5/1, 3/1, and 1/1.

Learn More about Adjustable Rate Mortgages
VA Loans - Serving Those Who Serve

We are here to help qualified veterans, reservists, active-duty service members, and their eligible spouses get to closing sooner with a VA loan that includes 100% financing, no down payment, 30-year fixed-rate*, and no monthly mortgage insurance required.

*Learn More about VA Loans
FHA Loan

Expand your homeownership options by accessing a minimum down payment of 3.5% with flexible underwriting and 15- and 30-year term* options.

*Learn More about FHA Loans
Rural Housing (USDA)

Qualified members interested in purchasing a primary residence in eligible rural areas can access the USDA Guaranteed Rural Housing loan for 30 years* with a fixed rate, affordable options for up-front costs, 100% financing, and no down payment.

*Learn More about Rural Housing (USDA) Loans
Jumbo Mortgage Loans

APGFCU offers fixed and adjustable-rate jumbo mortgage loans of up to $1 million.

Learn More about Jumbo Mortgage Loans
Residential/Agricultural Loans

As a local lender, we understand the rural communities in Harford and Cecil counties and are committed to the people who call these properties home.

Learn More about Residential/Agricultural Loans
Lot Loans

Qualified members looking to build a primary or secondary residence on a zoned lot within five years can access a loan of up to $150,000 and financing of up to 75% of purchase price or appraised value.

Learn More about Lot Loans
Home Equity Loans and Lines of Credit

We offer home equity loans as low as 4.49% APR* and lines of credit as low as 2.49% APR* to help you pay for life expenses with the money you’ve already paid toward owning your home.

*Learn More about Home Equity Loans and Lines of Credit

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Mortgages

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