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Have questions about other products like USDA, Jumbo, or home equity lines of credit? Just ask!

The estimated calculation is based on the following additional assumptions: (1) the property is located in one of the following states: District of Columbia, Delaware, Florida, Maryland, New Jersey, Pennsylvania, Virginia, North Carolina, or South Carolina; and (2) an escrow account may be required such that any applicable taxes and insurance costs are collected monthly with your mortgage payment.

Your actual interest rate may differ depending on a number of factors, including your credit history and loan characteristics. This is not a credit decision or a commitment to lend. 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 and 10 years for a 10/1 ARM).

Points are upfront fees charged as a percentage of the loan amount. For example, .25 points mean .25 percent of the loan amount. See more information in our Rates and Closing Costs Information.

All loans are subject to credit approval. Membership eligibility applies. To review APGFCU membership requirements, click here. Other restrictions may apply. Not all applicants will qualify.

¹The information provided assumes the purpose of the loan is to purchase a property with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product. Loan payment example: A fixed-rate [75% Loan-to-Value (LTV)] loan of $180,000 for 30 years at a 7.375% rate and 7.495% APR will have a principal and interest monthly payment of $1,243.22. Payments do not include taxes and insurance premiums and the actual payment obligation may be greater. For more information on fixed-rate mortgages, including a 30-year fixed-rate mortgage, click here.

²The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product. 

APR and payment are subject to increase after loan consummation. Rate is fixed for the first 5, 7 or 10 years, respectively, and adjusts annually thereafter, based on the fully indexed rate. The fully indexed rate is arrived at by adding the weekly average yield of the 1-Year Constant Maturity Treasury plus a margin of 2.75%, rounded to the nearest 1/8%. The initial rate can change every year after the first 5, 7 or 10-year fixed period by no more than two percentage points, never to exceed five percentage points above the initial rate. Loan payment example: 10/1 ARM payment example for a $180,000 loan with a 6.375% rate and 7.074% APR, the first 120 payments are $1,122.97, with 12 payments at $1,308.08 if the rate adjusts to the annual maximum of 8.375%, 12 payments at $1,409.96 if the rate adjusts to the annual maximum of 10.375%, 216 payments at $1,570.38 if the rate adjust to the lifetime ceiling of 11.375%. For more information on adjustable-rate mortgages (ARMs), click here.

³The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. Loan payment example: A fixed-rate [80% Loan-to-Value (LTV)] loan of $750,000 for 30 years at 6.625% (6.686% APR) will have a principal and interest monthly payment of $4,802.33. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater. For more information on jumbo mortgage loans, click here.

⁴The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $305,250 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 700. Loan payment example: A FHA (96.5% LTV) loan of $305,250 for 30 years at a 6.625% rate (7.790% APR) will have a principal, interest, and private mortgage insurance monthly payment of $2,092.05. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater. For more information about an FHA loan, click here.

⁵The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $306,450 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 720. Loan payment example: A fixed-rate VA home [102% Loan-to-Value (LTV)] loan of $306,450 for 30 years at a 6.625% rate and 6.970% APR will have a principal and interest monthly payment of $2,013.16. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater. For more information on a VA loan, click here.