TDECU Mortgage Options
Find the right solutions for all your home loan needs
Need assistance with your existing home loan?
If you need to make your monthly loan payment, have questions about your escrow account, or need assistance with starting an insurance claim, we are here to help. The TDECU Mortgage Service Center has everything you need to manage your TDECU home loan.
We make home happen
At TDECU, our top priority is you. For this reason, we offer a variety of home loan programs so you can choose a financing option that best fits your needs and financial future. From purchasing your first home, refinancing your current mortgage to take advantage of lower interest rates, or tapping into the equity of your home, we have you covered.
Questions? Please call us at (877) 774-2657 and a TDECU Mortgage Loan Advisor will give you all the information you need.
The TDECU Mortgage Advantage
Current Home Loan Rates
Check out our competitive rates for purchases, home loan refinancing, home equity loans, and to determine your monthly payment.
Buy a Home
Whether it is your first home, a vacation home, or an investment property, we have home loans to fit your needs.
| Loan Type | Interest Rate | APR1 |
|---|---|---|
| Conforming 30-Year Fixed | 6.88% | 7.00% |
| Conforming 15-Year Fixed | 6.38% | 6.54% |
| FHA Loan 30-Year Fixed | 6.50% | 8.08% |
| VA Loan 30-Year Fixed | 6.50% | 6.85% |
| Easy in 30 Purchase Fixed | 7.50% | 7.57% |
| Condominium 10/1 ARM | 7.25% | 7.37% |
| Jumbo 7/1 ARM | 6.88% | 6.94% |
Refinance Your Home
Take advantage of lower interest rates to meet your financial goals, from lower monthly payments to paying off your loan faster.
| Loan Type | Interest Rate | APR1 |
|---|---|---|
| Conforming 30-Year Fixed | 6.88% | 7.00% |
| Conforming 15-Year Fixed | 6.38% | 6.54% |
| FHA Loan 30-Year Fixed | 6.50% | 8.08% |
| Easy in 30 Refinance Fixed | 7.50% | 7.68% |
Home Equity Loan
Tap into the value of your home to fund a home improvement project, consolidate your debt, or make a large purchase.
| Loan Type | Interest Rate | APR1 |
|---|---|---|
| Conforming 30-Year Fixed *First Lien Only | 7.25% | 7.30% |
| Conforming 15-Year Fixed | 6.88% | 6.96% |
| Streamline Home Equity Loan *First Lien Only | 7.75% | 7.80% |
| HELOC 1st Lien | 8.50% | 8.56% |
| HELOC 2nd Lien | 8.50% | 8.56% |
Specialty Loans
Looking for something different? We have a variety of loan types to fit your needs.
| Loan Type | Interest Rate | APR1 |
|---|---|---|
| Construction-to-Permanent Mortgages | Variable | Variable |
| Home Improvement Loan | Variable | Variable |
| Land Loans | 8.00% | 8.13% |
| Pool Loans | 9.38% | 9.63% |
| Primary Home 10/1 ARM | 7.00% | 7.12% |
| Second Home 10/1 ARM | 7.50% | 7.62% |
| Investment Property 10/1 ARM | 7.50% | 7.62% |
Mortgage Frequently Asked Questions
Why choose TDECU Mortgage for my Home Loan?
How much help should I expect from a TDECU Mortgage Loan Advisor?
How do I know which mortgage loan is right for me?
What if my credit is less than perfect?
What is the difference between a fixed rate and adjustable rate mortgage?
Does it make sense to refinance if I recently obtained a mortgage loan?
How much can I afford in mortgage payments?
What is the minimum down payment required for a home loan?
How can I learn more about the acronyms and words I am seeing on this page?
Do I have other options if I don't want to borrow against my home's equity?
What if I have other questions?
Ready to get started?
Here are your next steps!
- Compare rates and loan options
Use our current rates and calculators to determine the best loan option for you. - Complete your pre-qualification
Securely submit your personal, financial, and employment information through our online portal or mobile app. - Get pre-qualified
Get a pre-qualified decision on your eligibility. - Submit your application
Use your pre-qualification to apply for one of our home loan options within 90 days.
1 APR = Annual Percentage Rate
Rates, APRs, and terms are subject to change without notice and are subject to credit approval, income and asset verification, and property eligibility requirements. Property insurance is required. Flood insurance may also be required depending on the location of the property. Additional fees, closing costs, and escrow requirements may apply.
Rate assumptions: Advertised rates assume a $350,000 loan amount, 80% CLTV, owner-occupied single-family residence, 740+ FICO score, and a 30-year conventional fixed-rate cash-out refinance. Actual rate, APR, payment, and terms may vary based on credit qualifications and loan characteristics (including loan amount, loan-to-value, product, and occupancy).
Repayment example: A $350,000 loan with a 30-year fixed term at 7.13% interest rate and 7.19% APR has a monthly principal and interest payment of $2,359.54. Taxes, insurance, and escrow amounts are not included; actual payment obligations will be higher.
Adjustable-rate mortgage (ARM) disclosure: ARM rates and payments may increase after the initial fixed-rate period.
Texas home equity products: Home equity loans and lines of credit are available only on eligible Texas homesteads and are subject to credit approval. Total debt secured by a homestead may not exceed 80% of the property's fair market value. HELOC APRs are variable and may increase or decrease over time. Texas home equity loans are subject to a 12-day waiting period and a three-day right of rescission.
Consult your tax advisor regarding the deductibility of interest.
Equal Housing Lender.
For complete loan terms and eligibility requirements, contact TDECU Mortgage at (877) 774-2657.