80/20 Programs and/or the Residential / Agriculture Programs are available. To obtain pricing, please call 888-LOAN-391 (888-562-6391) or complete this CONTACT US form to receive a call from an APGFCU Mortgage Consultant.
FEES: The “fees” shown in conjunction with the interest rates and payments are NOT an estimate of closing costs, but rather a partial listing of fees paid for APGFCU services, fees paid for services selected by APGFCU and by the borrower, and a fee associated with the interest rate option (Loan Price), if applicable. The total closing cost estimate will be provided after loan application on the Loan Estimate form and will include additional fees such as, but not necessarily limited to, title insurance, recording of the deed, and recordation taxes, etc.
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 link to the Rates and Closing Costs Information.
*When using any of the website calculators, the rates and payment shown are estimates and guides for your convenience only and do not factor in all your information. The dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. Your specific situation may warrant a higher rate and payment based on credit history, income, and many other factors. Products may not be available for your specific situation. The estimates you receive are for illustrative and educational purposes only. Speak to one of our mortgage professionals to get personalized rate and monthly payment quotes.
*The estimated calculation is based on the amounts you provided in the calculator and on the following additional assumptions: (1) the property is located in one of the following states: Maryland, Delaware, Pennsylvania, Florida, New Jersey, North Carolina, South Carolina and Virginia; (2) an escrow account may be required such that any applicable taxes and insurance costs are collected monthly with your mortgage payment; (3) payments shown do not include amounts for HOA fees or condo fees. Your monthly payment amount will be greater if these additional costs are required.
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 payment are subject to increase after the initial fixed-rate period (3 years for a 3/1 ARM, 5 years for a 5/1 ARM, 7 years for a 7/1 ARM, 10 years for a 10/1 ARM).
We have a max 85% LTV for Portfolio loans in Florida. This should be incorporated for Portfolio 1st mortgage (ARM and conventional) and Fixed HEL/HELOC, but should NOT include Fannie, USDA or VA products.