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
Lock in your low rate
Low Down Payments
As low as 0% down
Low Rates
Fixed rate & Adjustable rate
Faster Closing
Quick turnaround time from application to closing
Home buying process
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1
Compare rates & loans
Use our rate chart and calculator tools below to determine the best loan for you
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2
Complete pre-application
Securely submit your personal, employment, and financial information online
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3
Get pre-qualified
Get a pre-qualification decision within 1-2 business days4
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: 01/25/2022
| Buy a Home | Interest Rate | APR* |
|---|---|---|
| Conforming 30-Year Fixed | 3.75% | 3.83% |
| Conforming 15-Year Fixed | 3.00% | 3.19% |
| FHA 30-Year Fixed | 3.38% | 4.37% |
| VA 30-Year Fixed | 3.38% | 3.64% |
| Special Promotions | Interest Rate | APR* |
|---|---|---|
| Easy in 30 Purchase Fixed | 4.62% | 4.91% |
| Easy in 30 Refinance Fixed | 4.62% | 4.91% |
| 103% American Dream Mortgage ARM | 4.88% | 5.06% |
| Condominium 10/1 ARM | 4.25% | 4.43% |
| Second Home 10/1 ARM | 4.12% | 4.30% |
| Investment Property 10/1 ARM | 4.38% | 4.55% |
| Jumbo 7/1 ARM | 3.62% | 3.79% |
| Pool Loan 20-Year Fixed | 6.30% | 6.57% |
| Land Loan 7/1 ARM | 5.88% | 6.07% |
| Land Loan 15-Year Fixed | 6.12% | 6.46% |
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*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
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
