VA Loans

Serving those who serve.

APGFCU is ready to help our servicemen and servicewomen enjoy homeownership. We’re local, experienced and will help you through the loan process. With APGFCU, you can get to closing sooner on a VA home loan with features that include:

  • 100% financing – No down payment required
  • 30-year fixed rate1
  • No monthly mortgage insurance (MI) requirement 

VA loan programs are available to qualified veterans, reservists, active-duty service members, and their eligible spouses.

How do I apply for a VA Loan with APGFCU?​

To start the VA loan process, contact us at 888-LOAN-391 (888-562-6391) or submit a VA loan application. Our expert mortgage lenders will assist with your VA application process and guide you each step of the way.

We will access your Certificate of Eligibility (COE) through the Veteran Benefits Administration to verify your VA loan eligibility and to determine your entitlement amount.  Additional documentation may be needed to support your VA loan eligibility.

Next, we’ll review your credit profile to confirm you’ll meet credit eligibility.  Expect to provide income documentation such as tax returns, pay stubs, W2s, retirement statements, and disability statements.

Once you’ve completed your paperwork and have passed the pre-approval review, you’ll receive a pre-approval letter stating your ability to borrow and your total benefits. This is a very important document to have before making an offer. An offer from a pre-approved buyer comes in handy when negotiating with home sellers.

Want to learn more about our VA loan options? Call 888-LOAN-391 (888-562-6391) to receive a call.

 

Membership eligibility applies. Loans are available only on primary and secondary single-family residences or owner-occupied condominiums located in MD, VA, PA and FL. Subject to credit approval.

1Loan payment example: A VA (100% LTV) loan of $180,000 for 30 years at 4.532% fixed-rate APR will have a principal and interest monthly payment of $885.49. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.