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Home » Personal Banking » Loans » Mortgage Loans
Mortgage Loans is rated 4.6 out of 5 by 67.
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Feel confident about your home buying experience with Apple FCU.

Benefits

Pre-approval available!

Improve your chance of getting the house you want by being pre-approved. Receive a FREE, personalized rate quote today.

Refinance your home.

Would you like to lower your monthly payments and save money? Refinance your current home loan with Apple. To speak to Mortgage Representative, call 703-788-4800.

When you're ready to buy, we're here to help!

Contact a Licensed Mortgage Loan Originator

Apple Federal Credit Union has Licensed Mortgage Loan Originators ready to help with all of your home financing needs. Our representatives will get to know you, help you discover the best mortgage option for your lifestyle and guide you through the entire buying process from pre-approval to closing. And because Apple FCU offers local underwriting, you’ll receive an approval quickly.

Aaron Gagnon

Aaron Gagnon
NMLS ID: 1084701
Fair Oaks/Headquarters
Call: 703-225-1120


Karen Diaz

Karen Diaz*
NMLS ID: 1391161
Fair Oaks/Headquarters
Call: 703-225-1121


Marco Pol

Marco Pol*
NMLS ID: 228176
Fair Oaks/Headquarters
Call: 703-225-1141


To meet with a loan originator at a branch other than the Fair Oaks/Headquarters, click here ►



*Bilingual in Spanish

Fixed Rate Mortgage

Fixed-Rate Loans are available in 10, 15, 20, and 30-year terms. Principal and interest payments remain unchanged for the life of the loan; and the longer the term, the lower your payment.

Features:
This loan may be a good choice if you:
  • Want the security of knowing that the market rates will not change your monthly payment
  • Plan to stay in this home for at least 10 years
  • Don't expect your income to increase significantly
  • Think interest rates will increase.

Contact a Licensed Mortgage Loan Originator

Apple Federal Credit Union has Licensed Mortgage Loan Originators ready to help with all of your home financing needs. Our representatives will get to know you, help you discover the best mortgage option for your lifestyle and guide you through the entire buying process from pre-approval to closing. And because Apple FCU offers local underwriting, you’ll receive an approval quickly.

Aaron Gagnon

Aaron Gagnon
NMLS ID: 1084701
Fair Oaks/Headquarters
Call: 703-225-1120


Karen Diaz

Karen Diaz*
NMLS ID: 1391161
Fair Oaks/Headquarters
Call: 703-225-1121


Marco Pol

Marco Pol*
NMLS ID: 228176
Fair Oaks/Headquarters
Call: 703-225-1141


To meet with a loan originator at a branch other than the Fair Oaks/Headquarters, click here ►

Ask a Question about our Fixed-Rate Mortgage Loans


**Conforming loan limits may vary depending on property location. Property values are based on the lesser of the current appraisal value or the current tax assessment. Independent appraisals are not accepted.

*Bilingual in Spanish

Adjustable-Rate Mortgage

An Adjustable-Rate Mortgage (ARM) offers a lower initial interest rate than most fixed-rate loans. The trade-off is that the interest rate can change periodically and the monthly payment may go up or down accordingly.

  • 5/1, 7/1, and 10/1 ARM with 30-year repayment terms available
  • Borrow from $50,000 to $424,100**
  • Jumbo mortgages up to $1,000,000 are also available
  • Earn HomeAdvantage® Cash Rewards
  • No origination fees or points
This loan may be a good choice if you:
  • Want to maximize your buying power
  • Want to keep your payments lower during the first few years of your loan
  • Plan to move into a different home within a few years
  • Expect your income to increase significantly.

Contact a Licensed Mortgage Loan Originator

Apple Federal Credit Union has Licensed Mortgage Loan Originators ready to help with all of your home financing needs. Our representatives will get to know you, help you discover the best mortgage option for your lifestyle and guide you through the entire buying process from pre-approval to closing. And because Apple FCU offers local underwriting, you’ll receive an approval quickly.

Aaron Gagnon

Aaron Gagnon
NMLS ID: 1084701
Fair Oaks/Headquarters
Call: 703-225-1120


Karen Diaz

Karen Diaz*
NMLS ID: 1391161
Fair Oaks/Headquarters
Call: 703-225-1121


Marco Pol

Marco Pol*
NMLS ID: 228176
Fair Oaks/Headquarters
Call: 703-225-1141


To meet with a loan originator at a branch other than the Fair Oaks/Headquarters, click here ►

Ask a Question about our Adjustable-Rate Mortgage Loans


**Conforming loan limits may vary depending on property location. Property values are based on the lesser of the current appraisal value or the current tax assessment. Independent appraisals are not accepted.

*Bilingual in Spanish

First-Time Home Buyer

Whether you’re buying for the first time, refinancing a current home or hoping to tap into your home’s equity, we have loan options for you.

Educator & First Responder Program 5/5 Adjustable Rate Mortgage (ARM)
Designed for those who help the community most, Educators, Police Officers and Firefighters, we’re here to help you save even more on your new home. If you’re a first-time home buyer or you wish to refinance for cash out or a lower rate, you’ll benefit from this affordable mortgage option.
  • Low down payment; $500 minimum
  • Up to 100% combined loan-to-value (CLTV)
  • Low down payment
  • Up to 97% loan-to-value (LTV)
  • Refinance rate and term - cash out allowed
  • Available on second homes

Additional features for both programs:
  • Rate adjusts once every 5 years
  • Reduced Mortgage Insurance (PMI)
  • FREE Home Buyer education
  • CASH BACK REBATE with HomeAdvantage® Cash Rewards
  • No prepayment penalties.

Contact a Licensed Mortgage Loan Originator

Apple Federal Credit Union has Licensed Mortgage Loan Originators ready to help with all of your home financing needs. Our representatives will get to know you, help you discover the best mortgage option for your lifestyle and guide you through the entire buying process from pre-approval to closing. And because Apple FCU offers local underwriting, you’ll receive an approval quickly.

Aaron Gagnon

Aaron Gagnon
NMLS ID: 1084701
Fair Oaks/Headquarters
Call: 703-225-1120


Karen Diaz

Karen Diaz*
NMLS ID: 1391161
Fair Oaks/Headquarters
Call: 703-225-1121


Marco Pol

Marco Pol*
NMLS ID: 228176
Fair Oaks/Headquarters
Call: 703-225-1141


To meet with a loan originator at a branch other than the Fair Oaks/Headquarters, click here ►

Ask a Question about our First-Time Home Buyer Mortgage Loan



*Bilingual in Spanish

Reverse Mortgage

A Reverse Mortgage is a unique loan that allows homeowners ages 62 and older to convert part of the equity in their home into monthly income or cash without having to sell the home, give up title or take on additional monthly mortgage payments. A variety of payment options are available for reverse mortgages. These payment options include a monthly annuity, single lump sum payment, a line of credit or a combination of these options. Visit the Credit Union Mortgage Association to learn more and apply. On the drop-down menu, select “Apple Federal Credit Union” as your institution.

Contact a Licensed Mortgage Loan Originator

Apple Federal Credit Union has Licensed Mortgage Loan Originators ready to help with all of your home financing needs. Our representatives will get to know you, help you discover the best mortgage option for your lifestyle and guide you through the entire buying process from pre-approval to closing. And because Apple FCU offers local underwriting, you’ll receive an approval quickly.

Aaron Gagnon

Aaron Gagnon
NMLS ID: 1084701
Fair Oaks/Headquarters
Call: 703-225-1120


Karen Diaz

Karen Diaz*
NMLS ID: 1391161
Fair Oaks/Headquarters
Call: 703-225-1121


Marco Pol

Marco Pol*
NMLS ID: 228176
Fair Oaks/Headquarters
Call: 703-225-1141


To meet with a loan originator at a branch other than the Fair Oaks/Headquarters, click here ►

*Bilingual in Spanish

Insurance

With Apple Financial Services LLC, a wholly-owned subsidiary of Apple FCU, you’ll enjoy one-on-one attention from an insurance agent who will take the time to determine the coverage you need at a price you can afford.

Enjoy peace-of-mind knowing that your home and belongings are protected with an affordable policy and coverage options that fit your lifestyle. Our award-winning agents make shopping for insurance with national carriers easy.

Call us at 703-788-4817 to schedule an appointment or get your no cost, no obligation online insurance quote today.


Apple FCU can finance mortgages for property within Virginia, Maryland, West Virginia, North Carolina and the District of Columbia. The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-788-4800 or 800-666-7996 regarding the locations where HMDA data may be inspected.

Rated 1 out of 5 by from Apple Mortgage Loan I recently refinanced my mortgage to Apple FCU. We received a favorable fixed 30-year rate, and that was our main motivation to switch to Apple. However, I did not realize until after we closed and were making our first payment that Apple has no online billing capability. I found this very surprising and frustrating. I haven't paid my mortgage via snail mail for over 5 years! Also, the mailed statement arrives only a few days before the monthly mortgage is due. I received my last statement on May 26 for the payment that was due June 1. When will Apple FCU have an online payment solution for mortgage customers?
Date published: 2015-06-04
Rated 3 out of 5 by from Great ReFi Rate; took six months to close. ReFi process came to a standstill once appraisal came back lower than anticipated. Only after I escalated did I get the pretty straightforward answer to my simple question: Can we move forward (and, if so, how?) or not? Staff were apologetic, repeatedly explaining that they were very busy and understaffed. I would gladly sign up for auto-pay except I cannot choose when the money is withdrawn (2 weeks before the payment due date). The notary at closing was very knowledgeable and pleasant, and the closing was scheduled at a conveniently-located office space. Given the great interest rate, I would recommend, but with reservations.
Date published: 2015-08-13
Rated 5 out of 5 by from Excellent Mortgage Loans Apple has the best mortgage loans with low interest rates. Despite being a member only for a few months, I was approved for an ARM loan with a very low interest rate. My lender was very acknowledgeable and explaining everything to me very clearly. He discussed the calculable risks, pros and cons of each loan before I made my decision to choose the ARM. The process was quick and easy. Please don't hesitate to contact Apple to meet with a loan officer if you consider getting a mortgage loan. Apple's customer service is excellent and very helpful. It's an honor to write this review. Thank you Apple.
Date published: 2015-05-08
Rated 5 out of 5 by from Great Service, Turned Around Our Application ASAP We had a great experience with Apple, from the helpful and proactive staff, to the expedited turn around time and the ease of working through the process with them. We were first time buyers who knew nothing about the process, but they walked us through it step by step, from our pre-approval letter, to our closing, and responded quickly to our many questions throughout the process. They were able to process many documents electronically, and were up front about the whole process so we didn't get many surprises. We are longtime Apple FCU customers, and this process confirmed our faith in the FCU!
Date published: 2015-09-17
Rated 5 out of 5 by from Understanding and available Buying a home for the first time was a daunting idea, but we got great help from Apple FCU's mortgage team. We had ONE contact who helped us gather and submit all the necessary paperwork. He ran the numbers for us multiple times as we tried to get our heads around our new budget. He contacted us at our convenience (after work) and we submitted nearly everything via email/secure dropbox. We used the credit union Home Advantage program, and were very pleased with all the savings that gave us. (Not to mention security in our choice of realtors.) OH, and we attempted to start this process in person at a larger nationwide credit union and couldn't get the time of day from any agents, the office was so busy.
Date published: 2015-08-13
Rated 5 out of 5 by from Mortgage loan I went to 2 different banks trying to apply for a loan. However, I came to Apple FCU and spoke to Sherry ( Donna) and I was impressed with the kind of service I received and how well she explained. She is very honest with her answers. She followed up with me from start to finish. I just did the closing 4 days ago and I am very happy with the process it went smooth. No issues because of the follow up. Sherry (Donna) is a valuable asset to Apple FCU. I will recommend friends and family or anyone that might need a loan. Thank you.
Date published: 2016-04-24
Rated 5 out of 5 by from Refinance of Primary/1st Mortgage I refinanced over a year ago to reduce the number of years I will be paying. My previous mortgage was for 30 years fixed with 20 years to go. I refinanced without paying a penny to 15 years with a reduced payment and no out of pocket costs. I had been thinking to refinance for the previous 5 years. However, I had been trying with various banks and I always got the run around without a knowledgeable and honest mortgage specialist. When I dealt with AFCU, I had a couple of minor issues as well including lack of or not effective communication between the mortgage specialist and a lady in the processing department. But my mortgage specialist worked with me honestly and answered my questions without beating around the bush or giving me the incorrect information. He was very good in communicating with me both via email and over the phone. He made me feel like I was the only customer he was working with. The document gathering and presenting process; the appraisal process; and the document signing process were all very efficient as the mortgage specialist walked me through everything and kept me up to date on each step of the way. I believe his name is Andrew.
Date published: 2015-08-14
Rated 5 out of 5 by from Amazing support in the mortgage process I went with Apple FCU for the mortgage on my second home and I couldn't have made a better choice. In what was then a very competitive buyer's market, with a fast-approaching exit date on my previous home, Apple staff worked with me to make the mortgage happen. They were prompt, informative and persistent, which is just what I needed. I felt like I new exactly what was happening at each stage and in the end, they got me a great rate and made the process smooth as silk. I am very grateful to Apple for making this such a good experience.
Date published: 2015-08-13
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Can we have a phone conversation including a quote of a first time home loan for my wife and I? We are both FCPS teachers.

Asked by: Dylan
You can most easily get a quote for an Apple FCU Mortgage at https://www.applefcu.org/Loans/MortgageBot; simply select 'Check Rates/Get Quote' on the left side of the page. You can also speak with a Mortgage representative at 703-788-4800. And remember, Apple is here with you throughout the whole process, so register for our FREE HomeAdvantage program. We can refer you to trusted, local real estate agents and provide you access to the MLS database, the same system agents use to search for properties. You can save searches, research neighborhoods and much more! Member service advisors are available seven days-a-week for guidance as well. Plus, you'll earn a 20% cash rebate of your agent's commission at closing. To get started, visit: https://applefcu.mycuhomeadvantage.com/. We look forward to serving you!
Answered by: AppleFCU
Date published: 2017-03-17

What are the current interest rates/APR for first-time homebuyer/educator loans?

Asked by: JenniferB
The Apple FCU First-time Buyer Program can apply to any of our loan products, so visit https://www.applefcu.org/Loans/MortgageBot to view current rates (left side of page). If you're ready to apply, you'll find links to 'Apply Now' on that same page. And remember, Apple is here with you throughout the whole process, so register for our FREE HomeAdvantage program. We can refer you to trusted, local real estate agents and provide you access to the MLS database, the same system agents use to search for properties. You can save searches, research neighborhoods and much more! Member service advisors are available seven days-a-week for guidance as well. Plus, you'll earn a 20% cash rebate of your agent's commission at closing. To get started, visit: https://applefcu.mycuhomeadvantage.com/. We look forward to serving you!
Answered by: AppleFCU
Date published: 2017-03-17

I wanted to get more information about your first time homebuyers program. I am looking to sign a contract on a new to be built home in Southern MD. What's the required credit score and down payment amount. The home is $341,000

Asked by: Nyeshia31
This information is dependent on a number of factors, so it's likely best to speak with a mortgage specialist at 703-788-4800. You can also get an estimate of costs by visiting https://www.applefcu.org/Loans/MortgageBot. Then, click the 'Check Rates/Get Quote' button on the left side of the page. We look forward to serving you.
Answered by: AppleFCU
Date published: 2017-03-17

We are looking to refinance our home. Would AFCU be able to provide a "Mortgage Cost Estimate" like our current mortgage company provided?

Asked by: Joanne
For an estimate on rates/fees before applying for an Apple FCU Mortgage, visit https://www.applefcu.org/Loans/MortgageBot. Then, click the 'Check Rates/Get Quote' button on the left side of the page. When you're ready, you can easily access the online application from this same page. We look forward to serving you.
Answered by: AppleFCU
Date published: 2017-03-15

My wife graduated from her master's in 5/5 and has done paid/unpaid internships off an on since then and just got a full time job in her field of study. Is it possible to include my wife's income when qualifying for a mortgage?

Asked by: utslam
Provided that the job is now full-time, and within the same field, we should be able to consider the income as part of the Apple FCU Mortgage process. Regardless, include it on the application and your Mortgage Specialist will be able to discuss it more fully after a review of the details. We welcome your application at https://www.applefcu.org/Loans/MortgageBot and look forward to serving you!
Answered by: AppleFCU
Date published: 2017-03-09

What are your current interest rates on 30-year fixed-rate mortgages? (As of 2/21/17)

Asked by: Renee
Thank you for your interest in Apple FCU’s 30-year fixed-rate Mortgage Loan. Although mortgage rates are relatively steady, because they do fluctuate from time-to-time, we cannot send rate details via email. However, the current rates are always available online at AppleFCU.org/Rates. For more details, or to apply, please contact our Member Service Center at 703-788-4800 (800-666-7996 toll-free), Monday – Friday, 8 a.m.-6 p.m. or Saturday, 9 a.m.-12 p.m. or stop by any Apple FCU branch. We appreciate the opportunity to meet your lending needs.
Answered by: Apple FCU
Date published: 2017-02-26

Am I able to schedule an appointment to meet with a mortgage specialist at an Apple location in Fairfax, VA?

Asked by: ChrisD703
Yes, if you wish to meet at our Fair Oaks location (4029 Ridge Top Rd., Fairfax), please contact one of the individuals noted here: https://www.applefcu.org/Loans/Mortgage#tab2. If you need to meet at another Fairfax location, contact any of these Mortgage Originators: https://www.applefcu.org/Loans/MortgageOriginators.
Answered by: AppleFCU
Date published: 2017-02-16

I am NOT a first time home buyer but work for FCPS, my wife IS a first time home buyer and also works for FCPS. Do we qualify for the Educator Program if we both apply for a mortgage loan?

Asked by: sl872
Yes, and we'd welcome your application at https://www.applefcu.org/Loans/MortgageBot. And remember, Apple is here with you throughout the whole process, so register for our FREE HomeAdvantage program. We can refer you to trusted, local real estate agents and provide you access to the MLS database, the same system agents use to search for properties. You can save searches, research neighborhoods and much more! Member service advisors are available seven days-a-week for guidance as well. Plus, you'll earn a 20% cash reward of your agent's commission at closing. To get started, visit: https://applefcu.mycuhomeadvantage.com/. We look forward to serving you!
Answered by: AppleFCU
Date published: 2016-12-08
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