• Purchase & Refinance
• Purchase & Refinance Balloon
• Home Equity – Fully Documented
• TDECU Safe and Sound Fixed Payment Adjustable Mortgage
• TDECU Safe and Sound Fixed Payment Adjustable Mortgage - Low Documented
• Home Improvement
• Land Loans
• Land with Mobile Home or Land with Metal Building
• Investment Property and Second Homes
• Adjustable Rate Mortgage (ARM)- Fully Documented 
• Adjustable Rate Mortgage (ARM)-Low Documented Refinance Home Equity

*APR = Annual Percentage Rate. Rates, terms and conditions subject to change without notice. Please call for current rates. Rate depends on your credit history and term of loan. Credit subject to approval. Home Mortgages and Home Equity Loans are also subject to secondary market guidelines. Home Mortgages, Home Improvement, and Home Equity Loans available for Texas property only. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. 

An additional 50 basis points will be added to all published rates for loans in a 2nd lien position (except for Home Improvement). 

Fully Documented = Title Policy, Appraisal and Survey (as applicable). Low Documented = Ownership & Encumbrance Title Search, and County Appraisal Value. 1/1 ARM, 2/1 ARM & 3/1 ARM rates are for new mortgage loans to TDECU only (these products are available for current mortgage borrowers at a slightly higher rate). 

TDECU Safe and Sound 1/1 ARM, 2/1 ARM & 3/1 ARM loans are non-convertible. 

Jumbo Loan amounts of $417,001 - $650,000 add 100 basis points to rates; over $650,000 add 200 basis points to rate for Fixed Rate products. 1/1 ARM, 2/1 ARM & 3/1 ARM loan products available for Jumbo Loans at listed rates. 

Origination fee may apply to certain programs. 

TDECU 01/20/09