Mortgage and refinance
TDECU offers the right borrowing solutions to take care of all your home loan and home buying needs. Get pre-qualified in minutes!
Choose the best home loan path for you.
Get a mortgage
We offer mortgage loans and solutions to fit all your needs, whether you're just starting your home buying journey or want to buy a vacation home.
Get a Mortgage
Home equity loan
Unlock your property’s real estate value to fund home improvement, consolidate debts or make large purchases.
Home Equity LoanTDECU application process
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1
Compare rates & loans
Use our rate chart and calculator tools below to determine the best home buying loan for you
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2
Complete pre-application
Securely submit your personal, employment, credit score and financial information online
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3
Get pre-qualified
Get a pre-qualified decision on homeownership eligibility within 1-2 business days
4
Submit application
Apply today or use your pre-qualification to apply for our home loan options within 90 days! The TDECU Mortgage Advantage
60-Day Rate Lock
Lock in your low rate after
pre-qualification
Low Down Payments
Down payment amounts as low as 0% down
Low Rates
Adjustable or fixed rate mortgages available
Faster Closing
Quick turnaround time from application to closing
Have questions about the different loan types and loan limits? Don't know where to start with refinancing or conventional loans?
Talk to a mortgage lender and advisor
Mortgage Loan Resources and Tools
Mortgage Rates:
Effective date: 11/26/2021
| Buy a Home | Interest Rate | APR* |
|---|---|---|
| Conforming 30-Year Fixed | 3.25% | 3.33% |
| Conforming 15-Year Fixed | 2.50% | 2.74% |
| FHA Loan 30-Year Fixed | 3.12% | 4.06% |
| VA Loan 30-Year Fixed | 3.12% | 3.35% |
| Refinance Your Home | Interest Rate | APR* |
|---|---|---|
| Conforming 30-Year Fixed | 3.25% | 3.33% |
| Conforming 15-Year Fixed | 2.50% | 2.74% |
| FHA Loan 30-Year Fixed | 3.12% | 4.06% |
| Get a Home Equity Loan | Interest Rate | APR* |
|---|---|---|
| Conforming 30-Year Fixed | 3.50% | 3.51% |
| Conforming 15-Year Fixed | 2.88% | 2.92% |
| Special Promotions | Interest Rate | APR* |
|---|---|---|
| Easy in 30 Purchase Fixed | 4.25% | 4.53% |
| Easy in 30 Refinance Fixed | 4.25% | 4.53% |
| 103% American Dream Mortgage ARM | 4.75% | 4.93% |
| Condominium 10/1 ARM | 4.12% | 4.30% |
| Second Home 10/1 ARM | 4.00% | 4.17% |
| Investment Property 10/1 ARM | 4.25% | 4.42% |
| Jumbo 7/1 ARM | 3.50% | 3.67% |
| Pool Loan 20-Year Fixed | 6.22% | 6.49% |
| Land Loan 7/1 ARM | 5.75% | 5.94% |
| Land Loan 15-Year Fixed | 6.00% | 6.33% |
Mortgage Calculators:
Results
* 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
