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Conventional 97% & Conventional 95% Loans

The loans you know with down payments that will surprise you.

APGFCU’s Conventional 97% and 95% programs1 offer even more options to help you move into your first house without breaking the bank.

  • 3% down payment (97%) or 5% down payment (95%)
  • 30-, 20-, 15- & 10-year fixed rates2

Purchase your Conventional 97% or 95% Loan here

To learn more about our Conventional 97% or Conventional 95% loan, including eligibility requirements, call 888-LOAN-391 (888-562-6391) to receive a call from an APGFCU Mortgage Consultant.

Loans are 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.

1Mortgage insurance (MI) and a minimum credit score of 620 are required.

2Loan payment examples: A Conventional 97% (97% LTV) loan of $180,000 for 30 years at 5.380% fixed-rate APR will have a principal, interest and private mortgage insurance payment of $1,058.97.
A Conventional 95% (95% LTV) loan of $180,000 for 30 years at 5.174% fixed-rate APR will have a principal, interest and private mortgage insurance payment of $1,019.97.
Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

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