Loan Programs


Whether you are purchasing or refinancing, a first-time homebuyer or not, we offer any financing option you need: 

Zero or low down payment loans, 100% financing, closing cost assistance, conventional, FHA, VA, USDA, jumbo, and residential/agriculture...It’s all here and all part of our commitment to get you a home.*

Get started with one of the options below.


With world-class loan experts, APGFCU is here to help you find the best loan for you. APGFCU's difference is our dedication to personal service and expert guidance from start to finish. Our low rates and fees make us hard to beat. And for our local borrowers, no one knows Harford and Cecil counties better than us, with our team all living or working in the same areas you're looking to purchase or refinance.

You'll find exactly what you need with our loan options, and when you're ready, we're here to help!

Purchase Loan Options

All kinds of loans for all kinds of dreams.

Refinance Loan Options

You have a mortgage. We can make it a better mortgage for you.

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.

*Down payment and closing cost assistance amount may be due upon sale, refinance, transfer, repayment of the loan, or if the senior mortgage is assumed during the term of the loan. Some programs require repayment with interest and borrowers should become fully informed prior to closing.  Not all applicants will qualify. Minimum credit scores may apply. Sales price restrictions and income requirements may apply. Homebuyer education may be required. Owner-occupied properties only. Maximum loan amounts may apply.