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103% better home loans

or we'll give you $250 after closing1

TDECU Mortgages

Making the decision to buy a new home is no easy feat. But, your local TDECU Mortgage Loan Advisor is here to help you through the process.

From determining your financing needs to signing the dotted line on your closing day, our lending solutions are designed to work for you.

And, our team is here to make it easy!

TDECU Mortgage Offers

  • Competitive loan rates
  • Fast approvals and closings
  • Custom-tailored loans & financing options to fit your individual needs
  • Offering traditional & jumbo mortgage loans, construction and land loans
We're here to help you get into your new home as painlessly as possible...

Speak to our mortgage loan advisors

Mortgage Calculators

When you’re ready to purchase a home, there may be many loan options available to you. Use our calculators to help you estimate your mortgage payments, compare loan options, and more.

Start Calculating

Mortgage Calculators

All Rates Effective date: 07/20/2018

Buy a Home Interest Rate APR*
Conforming 30-Year Fixed 4.500% 4.684%
Conforming 15-Year Fixed 4.000% 4.298%
FHA 30-Year Fixed 4.250% 5.419
VA 30-Year Fixed 4.250% 4.565
Refinance Your Home Interest Rate APR*
Conforming 30-Year Fixed 4.500% 4.695%
Conforming 15-Year Fixed 4.000% 4.298%
FHA 30-Year Fixed 4.250% 5.428%
VA 30-Year Fixed 4.250% 4.576%
Get a Home Equity Loan Interest Rate APR*
Conforming 30-Year Fixed 4.625% 4.822%
Conforming 15-Year Fixed 4.375% 4.659%
Special Promotions Interest Rate APR*
103% American Dream Mortgage ARM 5.750% 5.968%
Condominium 5/1 ARM 5.500% 5.713%
Second Home 5/1 ARM 6.250% 6.478%
Investment Property 5/1 ARM 6.250% 6.478%
Jumbo 7/1 ARM 4.500% 4.696%
Pool Loan 20-Year Fixed 7.189% 7.509%
Land Loan 7/1 ARM 6.750% 6.998%
Land Loan 15-Year Fixed 7.000% 7.394%

* APR = Annual Percentage Rate.

Prices are subject to change at 1:00 PM CT with market conditions. Rate provided is the rate closest to par based on a loan amount of $125,000, owner occupied, single family 1 unit dwelling, 80% LTV, standard origination fee, and a FICO score of 740+. The specific rate and term depends on your unique credit rating, combined loan-to-value, amount financed and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. A mortgage of $125,000 for 30 years at 3.87% APR requires a P&I payment of $587.80 per month. Taxes and insurance for escrow payment are not included; your actual payment obligation will be higher. Adjustable Rate Mortgages (ARM) are variable and your annual percentage rate may increase after the original fixed rate period. Contact TDECU Mortgage for additional information and loan criteria. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. For additional terms and programs call 877-774-2657

1Credit approval required. Certain terms and conditions may apply. Additional loan options available for primary residences, second homes, investment properties and refinances. We require a copy of the Loan Estimate and Closing Disclosure from the competitor for comparison purposes in order to receive the $250 if we can’t meet or beat your qualified rate. Offer cannot be combined with any other TDECU Mortgage offer.

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