
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!

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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.
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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
Compare rates & loans
Complete pre-application
Securely submit your personal, employment,credit score and financial information online
Get pre-qualified
Get a pre-qualified decision on homeownership eligibility within 1-2 business days
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Apply today or use your pre-qualification to apply for our home loan options within 90 days!60-Day Rate Lock
Lock in your low rate after pre approval
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
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Mortgage Loan Resources and Tools
Mortgage Rates:
Effective date: 02/25/2021
Buy a Home | Interest Rate | APR* |
---|---|---|
Conforming 30-Year Fixed | 3.250% | 3.314% |
Conforming 15-Year Fixed | 2.500% | 2.736% |
FHA Loan 30-Year Fixed | 4.625% | 5.817% |
VA Loan 30-Year Fixed | 4.625% | 4.908% |
Refinance Your Home | Interest Rate | APR* |
---|---|---|
Conforming 30-Year Fixed | 3.250% | 3.314% |
Conforming 15-Year Fixed | 2.500% | 2.736% |
FHA Loan 30-Year Fixed | 4.625% | 5.817% |
VA Loan 30-Year Fixed | 4.625% | 4.908% |
Get a Home Equity Loan | Interest Rate | APR* |
---|---|---|
Conforming 30-Year Fixed | 3.375% | 3.408% |
Conforming 15-Year Fixed | 2.875% | 2.934% |
Special Promotions | Interest Rate | APR* |
---|---|---|
Easy in 30 Purchase Fixed | 4.125% | 4.402% |
Easy in 30 Refinance Fixed | 4.000% | 4.276% |
103% American Dream Mortgage ARM | 5.000% | 5.182% |
Condominium 10/1 ARM | 4.375% | 4.549% |
Second Home 10/1 ARM | 4.125% | 4.297% |
Investment Property 10/1 ARM | 4.375% | 4.549% |
Jumbo 7/1 ARM | 3.750% | 3.918% |
Pool Loan 20-Year Fixed | 6.504% | 6.768% |
Land Loan 7/1 ARM | 6.000% | 6.194% |
Land Loan 15-Year Fixed | 6.250% | 6.577% |