Navigating through today's mortgage landscape can be a daunting task, even for experienced consumers who have been through the purchasing or refinancing process before.

From fixed rate loans to ARMs to special financing, there are literally dozens of mortgage products and pricing structures from which to choose. So how do you know you are making the right choice? The first step is to have a good understanding of your situation and your expectations.

• Where do you expect your income level to be in 1-3 years? 5-10 years? 15-30 years?
• Are you expecting your family to grow in the coming years, or get smaller as older children move out on their own?
• How is your credit and employment history?
• How much can you afford? What kind of place would you like to call home?

You can get an estimate of Closing Costs by clicking here and running a test scenerio. Click on the Details link when the results are displayed for each product. Take a few moments to pause and reflect on these questions, then take advantage of our Loan Consultant to help guide you through the decision-making process. Or, if you prefer, read through the information pages on your own to learn more about the various loan options available.

With APLFCU's Mortgage Marketplace, you can rest assured that you are exploring your loan options carefully and choosing the right mortgage product for your needs.