Apple FCU

Applying for a Loan

How do I start my application?

How do I know how much house I can afford?

What will my monthly payments be?

What is the difference between getting pre-qualified versus pre-approved?

Does Apple FCU require a property inspection or appraisal?

Do I need an attorney?

Can I use my loan to purchase land?

Rates and Terms

How are interest rates set?

What affects my interest rate?

What is a rate lock?

Loan Approval and Closing

If I've been pre-approved by Apple, how long does it typically take to close?

If I want to refinance my mortgage loan, will I have to pay closing costs again?

What happens on the closing date?

How much money will be required at closing?

Will homeowners insurance be required at closing?

Paying Your Mortgage Loan

Can I have my mortgage payment deducted automatically from my account each month?

Can I make a mortgage payment online?

Who do I contact if I am having trouble paying my mortgage?

How can I cancel my mortgage payment with Apple FCU?

Is there a deadline for canceling a scheduled mortgage payment?

What should I do if I miss the cancellation deadline?

Meet Our Team

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

Schedule Appointment

Karen Diaz

I serve the following branches:

(703)-225-1121

kdiaz@applefcu.org

NMLS ID: 1391161

Fluent in Spanish

Sherry Messersmith

I serve the following branches:

(703)-225-1105

smessersmith@applefcu.org

NMLS ID: 315442

Ariel Moya

I serve the following branches:

(703)-225-3723

amoya@applefcu.org

NMLS ID: 2060634

Fluent in Spanish

Paul Seaton

I serve the following branches:

(703)-225-1137

pseaton@applefcu.org

NMLS ID: 1875068

Julie Yocum

I serve the following branches:

(703)-667-8718

jyocum@applefcu.org

NMLS ID: 1579692

Mortgage FAQs

Applying for a Loan

Rates and Terms

Loan Approval and Closing

Paying Your Mortgage Loan

Meet Our Team

Karen Diaz

Sherry Messersmith

Ariel Moya

Paul Seaton

Julie Yocum