Refinance Your Home Loan with TDECU
Make the most of your money with the right mortgage refinance option
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.
Is refinancing right for you?
If mortgage rates have fallen since you purchased your home, refinancing can help lower your monthly payments or shorten the term of your loan.
You could also consider a cash-out refinance to use the equity in your home to pay for major expenses like home improvements or to pay off high-interest rate credit cards.
Talk with a mortgage loan advisor if you have questions or if you would like to discuss what option is best for you.
TDECU Mortgage refinancing options feature these benefits:
60 day
Rate Lock
low as
5.83%
APR1
Which refinance option is right for you?
When it is time to refinance, we have a range of loans to fit your needs.
Talk to a mortgage loan advisor to find the right loan for you.
Easy in 30 Refinance Fixed
A 30-year fixed rate refinance loan with no down payment requirements.
7.63%
Interest rate
7.71%
APR
30 year
Term
Jumbo 7/1 ARM2
An adjustable rate loan to refinance a luxury home. Also available as a home equity loan. Offers a fixed rate for the first 7 years of the loan term.
8.63%
Interest rate
8.72%
APR
30 year
Term
Streamline Home Equity Loan
Our signature home equity loan features competitive rates, flexible closing arrangements, and quick turnaround time, with no appraisal necessary.
7.88%
Interest rate
7.94%
APR
30 year
Term
Conventional refinance options
We also offer conventional refinance loans including 30 and 15-year fixed, and VA loans.
Conforming 30-Year Fixed
The most common loan type, 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
6.51%
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
5.63%
APR
5.83%
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
6.00%
APR
7.49%
Mortgage Calculators
Want to know whether you should refinance, what your monthly payment would be, or whether you should consolidate your debt? 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.