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TDECU Home Loans

TDECU Home Loans

Get started on the road to homeownership today

Applying for your loan just got easier

Applying for your loan just got easier

Speed up the home loan process with our mobile app, TDECU Mortgage Simplified. Using your phone, you can:

  • Start and submit your application
  • Securely scan and upload documents
  • Instant message your loan officer
  • Get updates on the go
Download TDECU App on the App Store Download TDECU app on Google Play

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

5.67%

APR1

$250

Rate-Match Guarantee

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.

7.25%

Interest Rate

7.65%

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.

7.88%

Interest Rate

8.14%

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.

7.00%

Interest Rate

7.39%

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

6.38%

APR

6.49%

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

5.38%

APR

5.67%

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

6.13%

APR

7.66%

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

7.25%

APR

7.50%

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

6.13%

APR

6.49%

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

6.63%

APR

6.87%

Amount

$641,201 - $2,000,000

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

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.

ARM = Adjustable Rate Mortgage. Loans subject to credit approval. Example for a 3.25% APR on a $160,000 loan will require a monthly principal and interest payment of $696.33 for 30 years. Payment does not include taxes and insurance so actual payment obligation will be greater. ARMs are variable and the rate may increase after the original fixed rate period. Certain terms and conditions may apply.

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.

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