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TDECU Home Loans

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:

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

As
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

Select a calculator from the list below.

Monthly Income
Monthly Debt Payments
Mortgage Information
Results
 

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: 

APR = Annual Percentage Rate

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.