Own the home you want
Now is the time to go for the home of your dreams!
We are here to help
Start the approval process online, or reach out to us in one of the following ways:
- Download our Mortgage Simplified app.
- Give us a call - (877) 774-2657.
- Schedule an appointment.
- Message us through our secure online form.
Need a bigger place to call home?
Whether you need a larger home or one that is just more you, now is the time to get it with a home loan from TDECU. Plus, our professional mortgage loan experts make it quick and easy with fast closings and helpful guidance every step of the way.
- Competitive rates
- Now money down options
- Flexible terms for lower monthly payments
- Fast closings
- Special discounts for first responders, veterans, and educators
Selecting the right home loan for you
One of the most important steps in buying a home is choosing the right mortgage. We offer a range of TDECU exclusive loans to fit your unique needs.
Conforming 30-Year Fixed Fixed
This loan type is the most common, with a fixed interest rate and payments spread over 30 years.
7.00%
Interest Rate
7.05%
APR
30 year
Term
Easy in 30 Purchase Fixed
A 30-year fixed rate loan with no downpayment requirements.
7.75%
Interest Rate
7.87%
APR
30 year
Term
Jumbo 7/1 ARM
An adjustable rate loan to purchase or refinance a luxury home.
8.25%
Interest Rate
8.38%
APR
30 Year
Term
Conventional loan options
We also offer conventional loans including 30 and 15-year fixed, FHA, and VA loans.
Conforming 30-Year Fixed
This loan type is the most common, with a fixed interest rate and payments spread over 30 years. Even if rates rise, your payment will remain the same.
Interest Rate
7.00%
APR
7.05%
Conforming 15-Year Fixed
A fixed-rate loan with payments spread over 15 years. You pay more each month, but you build equity quickly and spend less in interest over the life of the loan.
Interest Rate
6.25%
APR
6.41%
FHA 30-Year Fixed
A loan insured by the Federal Housing Administration for low- to moderate-income home buyers with low down payments and lower credit score requirements.
Interest Rate
6.75%
APR
8.39%
VA 30-Year Fixed
A low-interest rate loan guaranteed by the Veterans Administration for veterans and active service members. Benefits include relaxed credit requirements, no or low down payment, and no private mortgage insurance.
Interest Rate
6.75%
APR
7.10%
Jumbo 7/1 ARM
An adjustable rate loan to purchase or refinance a luxury home. Also available as a home equity loan. Offers a fixed rate for the first 7 years of the loan term.
Interest Rate
8.25%
APR
8.38%
Amount
$806,501.00 - $2,000,000.00
TDECU Rate-Match Guarantee
We want to help you move into your new home
We believe our service is what sets us apart — but we also know rates matter. If you find a lower rate, bring it to us. If we cannot match it or beat it, we will pay you $250.
Ready to get started?
We are ready for you! Start the approval process online, or reach out to us in one of the following ways:
- Start the application on our Mortgage Simplified app.
- To speak to a mortgage loan advisor, call (877) 774-2657.
- Prefer to discuss in person? Schedule an appointment.
- Message us through our secure online form.
1 APR = Annual Percentage Rate
Prices are subject to change daily at 1:00 PM CT with market conditions. Rate provided above is the rate closest to par based on a loan amount of $125,000, owner occupied, single family dwelling, 80% LTV, standard origination fee, and a FICO score of 740+. Your 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. Adjustable Rate Mortgages (ARM) are variable and your 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 (800) 839-1154 ext. 4614.