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.
6.50%
Interest Rate
6.59%
APR
30 year
Term
Easy in 30 Purchase Fixed
A 30-year fixed rate loan with no downpayment requirements.
7.50%
Interest Rate
7.56%
APR
30 year
Term
Jumbo 7/1 ARM
An adjustable rate loan to purchase or refinance a luxury home.
8.13%
Interest Rate
8.19%
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
6.50%
APR
6.59%
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
5.75%
APR
5.89%
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
6.13%
APR
7.62%
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
6.13%
APR
6.46%
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
8.13%
APR
8.19%
Amount
$806,501.00 - $2,000,000.00
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 shown are subject to change daily with market conditions. Rate provided may include up to 1 discount point, loan amount of $350,000, owner-occupied, single-family 1 unit dwelling, 80% loan-to-value, FICO score of 740+, and applicable product loan type(s). Standard origination fees may apply. Your actual qualifying rate, APR (annual percentage rate), and term may vary based on your unique credit rating, combined loan-to-value percentage based on verified and acceptable home value, final loan amount, and other qualifying 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. Terms of repayment example: A $350,000 loan with a 30-year term at 6.715% APR with 20% down payment equals a $1,809.57 monthly payment. Taxes and insurance not included, your actual payment obligation will be higher. 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. Other restrictions and limitations apply. For additional terms and programs, please call (800) 839-1154 ext. 4614.