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We'll never ask for your account/card numbers, PIN, security codes or login credentials. For the latest fraud scams, visit the Fraud Prevention page.

First-Time Home Buyer

First-Time Home Buyer

We'll Help You Buy Your First Home

We want to share in the excitement of your first home buying experience. If you have very little to no credit, no worries. Our First-Time Home Buyer Loan offers an easy application process, manageable terms and is a great way to build credit.

Our First Time Buyer Guide will help you navigate the process.

Want to talk to a Mortgage Expert?

Our Licensed Mortgage Loan Originators are available to meet with you at the noted Apple FCU branches. Contact us to schedule a no cost, no obligation appointment.

Apple FCU can finance equities 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.

First Time Home Buyer Mortgage

  • Low or no down payment (up to 100% Combined Loan-to-Value (CLTV))
  • Rate can adjust once every 5 years
  • Reduced Private Mortgage Insurance (PMI)
  • No prepayment penalties


Don't let the complexities of real estate transactions overwhelm you. Embrace a new era of home buying with Apple FCU's HomeAdvisor program!

HomeAdvisor is your ultimate partner in navigating the complex world of real estate transactions. Through cutting-edge technology, it revolutionizes the way you buy and sell homes by connecting you with local experts and giving you cash rewards at closing.*

  • Step 1:

    Connect with a Home Advisor

  • Step 2:

    Match with a Local Agent

  • Step 3:

    Get Help from a Moving Concierge

  • Step 4:

    Enjoy Cash Rewards

Join our growing community of satisfied Apple FCU homeowners and experience the future of home buying and selling with HomeAdvisor. Your dream home is just a few clicks away!

*Cash rewards only available in 42 states. The following states do not allow cash rebates to real estate customers: Alaska, Iowa, Kansas, Mississippi, Missouri, Oklahoma, Oregon, or Tennessee.