Affordable loan programs with various financing and down payment options to help make buying your first home a breeze.
Members can qualify for our 10- 15- 20- or 30-year fixed-rate* mortgage depending on affordability and preferences.
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.
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.
Expand your homeownership options by accessing a minimum down payment of 3.5% with flexible underwriting and 15- and 30-year term* options.
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.
APGFCU offers fixed and adjustable-rate jumbo mortgage loans of up to $1 million.
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.
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.
We offer home equity loans as low as 3.99%* and lines of credit as low as 1.99%* to help you pay for life expenses with the money you’ve already paid toward owning your home.