Loans & Credit Products
Mortgages & Loans

Special Mortgage Programs


For details on our Special Programs please call a Mortgage Consultant at 1-800-333-2775.


Fixed Rate Loan Plus


  • Loan to Values up to 95%


  • Higher Debt to Income Ratios


  • Loan amounts up to $417,000



Foreign Borrower Program


Apple offers an attractive program for foreign nationals who are purchasing a home in the New York area. Contact an Apple Bank Mortgage Consultant for details, 1-800-333-2775.



With Apple Bank's Pre-Approval Program, you'll know exactly how much home you can afford and what your monthly payments will be. We issue a commitment, which will help you with the purchase of your home. This powerful tool will show the seller that you are a qualified purchaser who can close quickly.


SONYMA Low Interest Rate Program


Qualified homebuyers have an opportunity to purchase one to four-family homes, condominiums and co-operatives with as little as 5% down at very low interest rates, with flexible repayment terms under programs offered through the State of New York Mortgage Agency (SONYMA). Certain purchase price and income limits apply.


Rate Lock Programs


Rate Float Down Option Available!

Apple Bank offers a Float Down program for loans that have been locked in accordance with Apple Bank's lock-in policy . This program is available for fixed and adjustable-rate loan products. Should you lock-in an interest rate and points for a loan product you may be eligible for this program. If, during the processing of your loan application Apple Bank offers a lower rate and points option than you originally locked in at, you may request the lower rate and points option. This may occur anytime after you have executed an initial Lock-in Agreement with the Bank. The Float-down rate must be the interest rate corresponding with the number of points you originally chose. This option terminates at the earlier of 1) Three days prior to the closing of your loan; or 2) The expiration date of your original Lock-in Agreement. This option may be exercised only one time during your original lock-in period.

Extended Rate Lock Program for New Construction!
Apple Bank offers a 9-month and 1 year rate lock for new construction. Call an Apple Bank Mortgage Consultant for more details.

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