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TDECU Mortgage Options

TDECU Mortgage Options

Find the right solutions for all your home loan needs

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Need assistance with your existing home loan?

If you need to make your monthly loan payment, have questions about your escrow account, or need assistance with starting an insurance claim, we are here to help. The TDECU Mortgage Service Center has everything you need to manage your TDECU home loan.

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We make home happen

At TDECU, our top priority is you. For this reason, we offer a variety of home loan programs so you can choose a financing option that best fits your needs and financial future. From purchasing your first home, refinancing your current mortgage to take advantage of lower interest rates, or tapping into the equity of your home, we have you covered.

Questions? Please call us at (877) 774-2657 and a TDECU Mortgage Loan Advisor will give you all the information you need.

What is your goal?

Buy a home

Whether this is your first home or your vacation home, we have home loans to fit your specific needs.

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Refinance your home

With our refinance options, you could lower your monthly house payments or pay off your loan sooner.

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Tap into your home equity

Unlock your property’s real estate value to fund home improvement projects, consolidate debt, or make a large purchase.

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The TDECU Mortgage Advantage

60-Day Rate Lock

60-Day Rate Lock

Lock in your rate after pre‑qualification

Low Down Payments

Low Down Payments

Down payments as low as 0% down

Faster Closing

Faster Closing

Quick turnaround time from application review to closing

Flexible Options

Flexible Options

Choose a fixed or adjustable‑rate loan

Current Home Loan Rates

Check out our competitive rates for purchases, home loan refinancing, home equity loans, and to determine your monthly payment.

Buy a Home

Whether it is your first home, a vacation home, or an investment property, we have home loans to fit your needs.

Loan Type Interest Rate APR1
Conforming 30-Year Fixed 7.00% 7.04%
Conforming 15-Year Fixed 6.25% 6.40%
FHA Loan 30-Year Fixed 6.75% 8.39%
VA Loan 30-Year Fixed 6.75% 7.10%
Easy in 30 Purchase Fixed 7.75% 7.86%
103% American Dream Mortgage ARM 8.88% 9.00%
Condominium 10/1 ARM 8.75% 8.93%
Jumbo 7/1 ARM 8.25% 8.37%

Refinance Your Home

Take advantage of lower interest rates to meet your financial goals, from lower monthly payments to paying off your loan faster.

Loan Type Interest Rate APR1
Conforming 30-Year Fixed 7.00% 7.04%
Conforming 15-Year Fixed 6.25% 6.40%
FHA Loan 30-Year Fixed 6.75% 8.39%
Easy in 30 Refinance Fixed 7.75% 7.86%

Home Equity Loan

Tap into the value of your home to fund a home improvement project, consolidate your debt, or make a large purchase.

Loan Type Interest Rate APR1
Conforming 30-Year Fixed 7.13% 7.23%
Conforming 15-Year Fixed 6.63% 6.81%
Streamline Home Equity Loan 8.00% 8.05%

Specialty Loans

Looking for something different? We have a variety of loan types to fit your needs.

Loan Type Interest Rate APR1
Construction-to-Permanent Mortgages Variable Variable
Home Improvement Loan Variable Variable
Land Loans 10.13% 10.38%
Pool Loans 10.88% 11.20%
Primary Home 10/1 ARM 8.50% 8.68%
Second Home 10/1 ARM 9.00% 9.18%
Investment Property 10/1 ARM 9.00% 9.24%
Do you have questions about the different loan types or just not sure where to start?

Talk with a TDECU Mortgage Loan Advisor and get the information you need.

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Mortgage Frequently Asked Questions

Why choose TDECU Mortgage for my Home Loan?
TDECU Mortgage has a wide range of competitively priced loan programs to fit your families needs. Using the latest technology, we have made the borrowing process simple and convenient. We can offer you a competitive rate and eliminate fees associated with a loan arranged through a broker. Our commitment is to provide top quality service to our members.

How much help should I expect from a TDECU Mortgage Loan Advisor?
Our commitment is to provide top quality service. Our mortgage loan advisors have a full range of loan programs to offer and can provide the very latest technology to expedite the loan process. They will listen to your needs and make sure they understand you completely, then discuss your options and make sure you thoroughly understand them. From application through funding, we make the loan process simple and convenient... for you!

How do I know which mortgage loan is right for me?
This is what our personal service is all about... helping you make the best loan choice for your specific needs. Our mortgage loan advisors are experienced professionals with knowledge covering a wide range of mortgage programs. Each advisor is able to explain the advantages of appropriate loan programs considering the specific financial goals of the member.

What if my credit is less than perfect?
TDECU Mortgage offers programs for members whose credit has been impaired in the past. If you have a history of bankruptcy, late payments or other credit problems, we are here to help you determine possible financing options.

What is the difference between a fixed rate and adjustable rate mortgage?
A fixed rate mortgage provides a rate of interest that remains the same for the life of the loan. An adjustable (or variable) rate mortgage has an interest rate that adjusts periodically on the basis of changes in a specified financial index. Typically, adjustable rate mortgages start out at somewhat lower rates than fixed rate mortgages. They can fluctuate up, raising the monthly payment, or down, lowering the monthly payment, depending on the activity of the index to which they are tied. Our mortgage loan advisors can discuss the advantages of both types of mortgages to help you decide which product is best for you.

Does it make sense to refinance if I recently obtained a mortgage loan?
It might be a good time to refinance your home, even if you recently obtained a mortgage. Given today's favorable interest rates, a rate lower than the one on your current mortgage may be available and may result in savings every month. You might save a considerable amount by consolidating your existing first and second mortgages, outstanding credit card balances, and other debt into a single mortgage loan payment. You can also benefit from the convenience of one single monthly payment. Our mortgage loan advisors can help you determine if this option works to your best advantage!

How much can I afford in mortgage payments?
How much you can afford depends entirely on your specific personal financial situation. Our mortgage loan advisors can help you find out exactly what that amount may be. For a quick estimate, use the Mortgage Calculators conveniently located on our website.

What is the minimum down payment required for a home loan?
It really depends on the loan program you choose. For example, we offer a 103% financing home loan program that will allow you to finance 100% of the purchase price plus 3% of the closing costs. We offer home loans with low down payment requirements as low as 3.50%. That would be a $3,500 down payment for a $100,000 purchase price.

How can I learn more about the acronyms and words I am seeing on this page?
You do not have to be a mortgage expert; that is why we have our Mortgage Officers available for any questions you might have. We have compiled a list of common mortgage terms into a glossary for your convenience if you have any questions.

Do I have other options if I don't want to borrow against my home's equity?
If you have a TDECU Mortgage and don't want to borrow against your equity, a Home Advantage Loan might be right for you.

What if I have other questions?
Please email mortgage@tdecu.org with all of your questions or call us at 877-774-2657.

Ready to get started?

Here are your next steps!

  1. Compare rates and loan options
    Use our current rates and calculators to determine the best loan option for you.

  2. Complete your pre-qualification
    Securely submit your personal, financial, and employment information through our online portal or mobile app.

  3. Get pre-qualified
    Get a pre-qualified decision on your eligibility.

  4. Submit your application
    Use your pre-qualification to apply for one of our home loan options within 90 days.

1 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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