Mortgage and refinance
TDECU offers the right borrowing solutions to take care of
all your home loan needs. Get pre-qualified in minutes!
Choose the best home loan path for you.
Get a mortgage
We offer mortgage solutions to fit all your needs, whether you want to buy your first home or a vacation home.
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Home equity loan
Unlock your property’s 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 loan for you
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2
Complete pre-application
Securely submit your personal, employment, and financial information online
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3
Get pre-qualified
Get a pre-qualification decision within 1-2 business days4
Submit application
Apply today or use your pre-qualification to apply within 90 days! The TDECU Home Loan Advantage
60-Day Rate Lock
Lock in your low rate
Low Down Payments
As low as 0% down
Low Rates
Fixed or adjustable rate available
Faster Closing
Quick turnaround time from application to closing
Have questions? Don't know where to start?
Talk to a mortgage advisor
Resources and Tools
Mortgage Rates:
Effective date: 11/27/2020
| Buy a Home | Interest Rate | APR* |
|---|---|---|
| Conforming 30-Year Fixed | 2.750% | 2.841% |
| Conforming 15-Year Fixed | 2.375% | 2.593% |
| FHA 30-Year Fixed | 3.750% | 4.811% |
| VA 30-Year Fixed | 3.750% | 4.028% |
| Refinance Your Home | Interest Rate | APR* |
|---|---|---|
| Conforming 30-Year Fixed | 2.750% | 2.841% |
| Conforming 15-Year Fixed | 2.375% | 2.593% |
| FHA 30-Year Fixed | 3.750% | 4.811% |
| VA 30-Year Fixed | 3.750% | 4.028% |
| Get a Home Equity Loan | Interest Rate | APR* |
|---|---|---|
| Conforming 30-Year Fixed | 2.875% | 2.936% |
| Conforming 15-Year Fixed | 2.750% | 2.827% |
| Special Promotions | Interest Rate | APR* |
|---|---|---|
| Easy in 30 Purchase Fixed | 4.000% | 4.276% |
| Easy in 30 Refinance Fixed | 3.875% | 4.150% |
| 103% American Dream Mortgage ARM | 5.125% | 5.308% |
| Condominium 10/1 ARM | 4.500% | 4.676% |
| Second Home 10/1 ARM | 4.250% | 4.423% |
| Investment Property 10/1 ARM | 4.500% | 4.676% |
| Jumbo 7/1 ARM | 3.875% | 4.044% |
| Pool Loan 20-Year Fixed | 6.584% | 6.849% |
| Land Loan 7/1 ARM | 6.125% | 6.321% |
| Land Loan 15-Year Fixed | 6.375% | 6.704% |
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
