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Mortgage and refinance

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.

TDECU application process


Compare rates & loans

Use our rate chart and calculator tools below to determine the best home buying loan for you

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


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

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: 10/15/2021

Buy a Home Interest Rate APR*
Conforming 30-Year Fixed 3.250% 3.313%
Conforming 15-Year Fixed 2.500% 2.678%
FHA Loan 30-Year Fixed 2.875% 3.815%
VA Loan 30-Year Fixed 2.875% 3.147%
Refinance Your Home Interest Rate APR*
Conforming 30-Year Fixed 3.250% 3.313%
Conforming 15-Year Fixed 2.500% 2.678%
FHA Loan 30-Year Fixed 2.875% 3.815%
Get a Home Equity Loan Interest Rate APR*
Conforming 30-Year Fixed 3.250% 3.322%
Conforming 15-Year Fixed 2.625% 2.732%
Special Promotions Interest Rate APR*
Easy in 30 Purchase Fixed 4.125% 4.433%
Easy in 30 Refinance Fixed 4.125% 4.433%
103% American Dream Mortgage ARM 4.750% 4.943%
Condominium 10/1 ARM 4.125% 4.309%
Second Home 10/1 ARM 4.000% 4.182%
Investment Property 10/1 ARM 4.250% 4.436%
Jumbo 7/1 ARM 3.500% 3.675%
Pool Loan 20-Year Fixed 6.254% 6.543%
Land Loan 7/1 ARM 5.750% 5.959%
Land Loan 15-Year Fixed 6.000% 6.357%

Mortgage Calculators:

Select a calculator from the list below.

Mortgage Information
Property Information
* 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

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