TDECU Home Loans
Get started on the road to homeownership today
We are ready for you!
Start the approval process online, or reach out to us in one of the following ways:
- Download our Mortgage Simplified app.
- Give us a call - (877) 774-2657.
- Schedule an appointment.
- Message us through our secure online form.
Financing a new home? We are here to help.
Buying a new home is an exciting milestone in anyone’s life. Whether you have already found the perfect house or just starting to look, we are here to make your dreams become a reality.
Our experienced team can help guide you through the home loan process — from figuring out the best mortgage options to signing on the dotted line. Get in touch with your local TDECU Mortgage Loan Advisor today!
TDECU Mortgages feature these benefits:
60 day
Rate Lock
low as
6.01%
APR1
TDECU Mortgage loan options
We offer a range of TDECU exclusive loans to fit your unique needs.
Easy in 30 Purchase Fixed
A 30-year fixed rate loan with no downpayment requirements.
7.63%
Interest Rate
7.66%
APR
30 year
Term
103% American Dream Mortgage ARM2
An adjustable rate mortgage (ARM) loan with no down payment requirement and an option to roll in up to 3% of the closing costs. Offers a fixed rate for the first 7 years of the loan term.
9.13%
Interest Rate
9.17%
APR
30 year
Term
Primary Home 10/1 ARM
An adjustable rate primary residence loan that offers a fixed rate for the first 10 years of the loan term. Amount starting at $85,000.
8.75%
Interest Rate
8.85%
APR
30 Year
Term
Conventional loan options
We also offer conventional loans including 30 and 15-year fixed, FHA, and VA loans.
Conforming 30-Year Fixed
This loan type is the most common, with a fixed interest rate and payments spread over 30 years. Even if rates rise, your payment will remain the same.
Interest Rate
6.63%
APR
6.71%
Conforming 15-Year Fixed
A fixed-rate loan with payments spread over 15 years. You pay more each month, but you build equity quickly and spend less in interest over the life of the loan.
Interest Rate
5.88%
APR
6.01%
FHA 30-Year Fixed
A loan insured by the Federal Housing Administration for low- to moderate-income home buyers with low down payments and lower credit score requirements.
Interest Rate
6.25%
APR
7.75%
Condominium 10/1 ARM
An adjustable rate condominium loan that offers a fixed rate for the first 10 years of the loan term.
Interest Rate
9.00%
APR
9.10%
Amount
Starting at $85,000
VA 30-Year Fixed
A low-interest rate loan guaranteed by the Veterans Administration for veterans and active service members. Benefits include relaxed credit requirements, no or low down payment, and no private mortgage insurance.
Interest Rate
6.25%
APR
6.57%
Jumbo 7/1 ARM
An adjustable rate loan to purchase or refinance a luxury home. Also available as a home equity loan. Offers a fixed rate for the first 7 years of the loan term.
Interest Rate
8.63%
APR
8.67%
Amount
Starting at $806,501.00
Mortgage Calculators
Want to know how much you can afford, the difference between two types of loans, or what your monthly payment will be? Our calculators are here to help! Choose one from the menu on the left and enter your information for instant estimates.3

Ready to get started?
We are ready for you! Start the approval process online, or reach out to us in one of the following ways:
- Start the application - Download our Mortgage Simplified app.
- Give us a call - (877) 774-2657.
- Schedule an appointment.
- Message us through our secure online form.
1 APR = Annual Percentage Rate
2 ARM = Adjustable Rate Mortgage
All loans are subject to credit approval. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, loan amount, property type, and other qualifying factors. Rates may include up to 1 discount point and assume an owner-occupied, single-family home, 80% loan-to-value (LTV), and a FICO score of 740 or higher. Standard origination fees may apply.
Terms of Repayment ARM Example: A $350,000 loan with a 8.986% APR and 20% down payment results in a monthly principal and interest payment of $2,250.12 for 30 years. The interest rate is fixed for the first 10 years and adjusts annually thereafter based on the Constant Maturity Treasury (CMT) index. Rate adjustments may increase up to 2% annually, with a lifetime cap of 6%. ARM rates are variable and may increase after the fixed-rate period.
Terms of Repayment Fixed-Rate Example: A $350,000 loan with a 6.715% APR and 20% down payment results in a monthly principal and interest payment of $1,809.57 for 30 years.
Payments shown do not include taxes or insurance. Actual monthly obligations will be higher.
TDECU does business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. Additional restrictions and conditions may apply. For more information, contact TDECU Mortgage at (877) 774-2657.
3 Our financial calculators are provided as a free service to our Members. The information supplied by these calculators is from various sources based on calculations we believe to be reliable (but are not guaranteed, explicit or implied) regarding their accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes and are not intended to provide investment advice. TDECU does not accept any liability for loss or damage whatsoever, which may be attributable to the reliance on and use of the calculators. Use of any calculator constitutes acceptance of the terms of this agreement. TDECU recommends you find a qualified professional for advice with regard to your personal finance issues.