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Get a mortgage with TDECU

Get a mortgage with TDECU

Pre-qualify or apply for a mortgage in minutes

We're here to help you navigate financing your new home

Making the decision to buy a new home is no easy feat. But, your local TDECU Mortgage Loan Advisors are here to help you through the process.

From determining your financing needs to signing on the dotted line on your closing day, our lending solutions are designed to work for you.

And, our team is here to make it easy!

Why choose TDECU for your mortgage?

60-Day Rate Lock

60-Day Rate Lock

Lock in your low rate

Low Down Payments

Low Down Payments

As low as 0% down

Low Rates

Low Rates

Fixed rate & Adjustable rate

Faster Closing

Faster Closing

Quick turnaround time from application to closing

Home buying process


Compare rates & loans

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

Complete pre-application

Securely submit your personal, employment, and financial information online 


Get pre-qualified

Get a pre-qualification decision within 1-2 business days


Submit application

Apply today or use your pre-qualification to apply within 90 days!
We're here to guide you through the mortgage process and make you feel at home

Speak to our mortgage loan advisors today

Today's low mortgage rates

Effective date: 12/05/2022

Buy a Home Interest Rate APR*
Conforming 30-Year Fixed 6.38% 6.49%
Conforming 15-Year Fixed 5.88% 6.10%
FHA 30-Year Fixed 6.00% 7.51%
VA 30-Year Fixed 6.00% 6.37%

Special Promotions Interest Rate APR*
Easy in 30 Purchase Fixed 7.63% 8.04%
Easy in 30 Refinance Fixed 7.63% 8.04%
103% American Dream Mortgage ARM 8.13% 8.40%
Condominium 10/1 ARM 7.50% 7.76%
Second Home 10/1 ARM 7.75% 8.02%
Investment Property 10/1 ARM 7.75% 8.02%
Jumbo 7/1 ARM 6.88% 7.12%
Pool Loan 20-Year Fixed 9.50% 9.89%
Land Loan 7/1 ARM 8.75% 9.04%
Land Loan 15-Year Fixed 9.00% 9.46%

Mortgage calculators

Select a calculator from the list below.

Monthly Income
Monthly Debt Payments
Mortgage Information
Ready to secure your dream home?

Get pre-qualified now

*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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