Fixed-Rate Limited Time Special
Program Rate APR Points
Fixed Rate1
30 Year Fixed 3.875% 3.975% -0.125
20 Year Fixed 3.750% 3.917% 0.250
15 Year Fixed 3.250% 3.422% 0.000
ARM Rate1
7/1 ARM 3.750%  4.543% 0.000
5/1 ARM 3.500%  4.424% 0.000
3/1 ARM 3.250%  4.307% 0.000
Jumbo2
Jumbo 30 Year Fixed 4.000% 4.059% 0.250
Jumbo 7/1 ARM  3.875%  4.675% 0.000
Jumbo 5/1 ARM  3.625%   4.585%  0.000
Other
VA 30 Year Fixed3 4.000% 4.354% 0.000
USDA 30 Year Fixed3  4.375%
4.919%
0.125
Residential/Ag 30 Year Fixed4 3.875% 3.986% -0.125
Residential/Ag 5/1 ARM4
 3.500%  4.424%  0.000
80/20 Program: Please call 888-LOAN-391 (888-562-6391) or complete this CONTACT US form to receive a call from an APGFCU Mortgage Consultant.

 

The estimated calculation is based on the following additional assumptions: (1) the property is located in one of the following states: Delaware, Florida, Maryland, New Jersey, Pennsylvania, and Virginia; 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). 

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

Rates are subject to change. Subject to credit approval. 

1The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $240,000. 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 740. 

Loan payment example: A fixed-rate [90% Loan-to-Value (LTV)] loan of $180,000 for 30 years at 5.012% APR will have a principal, interest and private mortgage insurance monthly payment of $994.47. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

Loan payment example: Variable rate: APR and payment are subject to increase after loan consummation. Rate is fixed for the first seven years and adjusts annually thereafter, based on a fully indexed rate (one-year Treasury Rate, plus margin). The initial rate can change every year after the first seven-year fixed period by no more than two percentage points, never to exceed five percentage points above the initial rate. Loan payment example: 7/1 ARM payment example for a $180,000 loan with a 3.625% rate and 4.522% APR, the first 84 payments are $820.89 with 12 payments at $992.85 if the rate adjusts to the annual maximum of 5.625%, 12 payments at $1,174.98 if the rate adjusts to the annual maximum of 7.625%, 252 payments at $1,268.38 if the rate adjusts to the ceiling of 8.625%. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

2The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $650,000 and an estimated property value of $812,500. 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 740.

Loan payment example: A fixed-rate [80% Loan-to-Value (LTV)] loan of $650,000 for 30 years at 4.375% (4.394% APR) will have a principal and interest monthly payment of $3,245.35. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

3The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $180,000. 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 fixed-rate [101% Loan-to-Value (LTV)] loan of $180,000 for 30 years at 4.750% (5.267% APR) will have a principal, interest and private mortgage insurance monthly payment of $991.62. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

4The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $400,000 and an estimated property value of $500,000. 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 740.

Loan payment example: A fixed-rate [90% Loan-to-Value (LTV)] loan of $180,000 for 30 years at 4.875% (5.157% APR) will have a principal and interest monthly payment of $1,008.07. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.