Buy, Build, Or Borrow With APEX Home Loans We live in the same community. Our members are your neighbors! Come to us first for your Home Loans needs.

We're A Great Deal!
We constantly survey other area financial institutions to compare our rates and terms. You can feel confident your credit union's Home Loan options are not only highly competitive, but a great deal. It's the APEX FCU comfort factor and you won't find it anywhere else.

First Mortgages
(Multiple Terms and Products)
If you're looking to purchase your first home, step up to a larger home, or refinance at today's lower rates APEX has the first or second mortgage program for you. You can choose a fixed rate mortgage with an affordable repayment term that suits your budget. Our experienced loan representative will help you choose the mortgage that's right for you. Contact our Mortgage Service Center at (610) 325-5112 or (610) 325-5121

• Fixed rate loans
  A mortgage in which the interest rate does not change during the entire term of the loan.
  
  
• Adjustable rate loans
  A mortgage in which the interest rate changes periodically, according to corresponding fluctuations in an index.
  
  
• Balloon loans
  A mortgage that requires the remaining principal balance be paid at a specific point in time. For example, a loan may be amortized as if it would be paid over a 30 year period, but requires that at the end of the 10th year the entire remaining balance must be paid.
  
  
• Jumbo loans
  A mortgage that exceeds the generally accepted secondary market loan limits which vary annually.
  
  
• Construction loans
  A short term, interim loan for financing the cost of construction. The lender makes payments to the builder at periodic intervals as the work progresses.
  
  
• Interest Only loans
  An Interest Only mortgage only requires monthly interest payments. Since you are not paying any principal, this can lower your monthly payment. At the end of the interest-only period, your loan reverts back to its original terms, with the monthly payments adjusted upward to reflect full amortization over the remaining years of the loan.
  

Construction Loans
Building your home is quite an experience. We can help make that experience easier for you with a credit union Construction Loan. Our loan representative will explain to you all the requirements and steps to financing the construction of your new home.

Contact our Mortgage Service Center at (610) 325-5112 or (610) 325-5121

Home Equity Fixed Rate Loans & Line of Credit Loans
Think about what you could do: add a deck, kitchen or bath, pay for an education, take a special vacation, and more. Your opportunities are unlimited! Plus, the interest you pay on a Home Equity Loan is usually tax deductible. It's the next best thing to a NO interest loan. Check with your tax advisor.

Fixed Rate Home Equity Loan
Take advantage of our low rate and choose either a 5, 10, 15, or 20 year term. You can borrow up to 80% of the equity in your home minus your first mortgage.

Variable Rate Home Equity Line Of Credit
With our Variable Rate Home Equity Line of Credit you can borrow up to 80% of the equity in your home minus your First Mortgage. Borrow it as you need it! Check out our low rates today.

Refinancing Your Current Loan
Refinance your home with your credit union. Don't stay stuck with their rates and payment terms. Refinance with us and save. Consider Direct Deposit and Payroll Deduction and make that saving even easier. You may also want to read this article if you are considering refinancing your home: "Consider Refinancing Carefully."