Specialty Loans
Construction, Home Improvement, Investment Property, Land. Pool, Second Home Loans and more
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.
We have a specialty loan to fit your needs
Mortgage loans are not just for buying homes. Whether you are buying a piece of land, building a new home, tackling renovations or home improvements, or putting in the pool you have always dreamed of, you need a loan tailored to your unique situation.
We have a variety of specialty solutions to meet your lending needs. Talk to a TDECU Mortgage Loan Advisor to find a loan that is right for you.
These loans are built for the job
TDECU offers specific loans to help you buy land, build, or improve your property — with terms to help you toward your goal.
Pool Loans
A fixed-rate loan for up to a 20-year term, with the option to finance closing costs.
11.25%
Interest Rate
11.42%
APR
$50,000 - $100,000
Amount
Construction-to-Permanent
Mortgage
Converts to a permanent mortgage when your house is complete. Interest payments only during the construction phase, option to include lot purchase and one-time closing costs.
6.63%
Interest Rate
6.73%
APR
$85,000 - $750,000
Amount
Land Loan 7/1 ARM 2
Loan for purchasing a lot in town or acreage for recreational purposes. Available for land with or without improvements. Offers a fixed rate for the first 7 years of the loan term.
10.50%
Interest Rate
10.71%
APR
Starting at $50,000
Amount
Home Improvement Loan
Ready to take on that renovation? We can provide you with financing options that will fit your financial goals. If you want to make home improvements without getting a mortgage, a Home Advantage Personal Loan might be right for you.
Land Loan 15-Year Fixed
Whether you are purchasing a lot in town or acreage for recreational purposes, we can help you find the best loan to meet your needs.
Interest rate as low as
10.75%
APR1 as low as
11.06%
Amount
Starting at $50,000
Second Home 10/1 ARM
An adjustable rate loan that supports the purchase of a second home. Offers a fixed rate for the first 10 years of the loan term.
Interest rate
9.50%
APR
9.60%
Amount
Starting at $85,000
Investment Property 10/1 ARM
An adjustable rate loan that supports the purchase of an investment property. Offers a fixed rate for the first 10 years of the loan term.
Interest rate
9.50%
APR
9.62%
Amount
Starting at $85,000
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. 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.
Prices shown are subject to change daily with market conditions. Rate provided may include up to 1 discount point, loan amount of $350,000, owner-occupied, single-family 1 unit dwelling, 80% loan-to-value, FICO score of 740+, and applicable product loan type(s). Standard origination fees may apply. Your actual qualifying rate, APR (annual percentage rate), and term may vary based on your unique credit rating, combined loan-to-value percentage based on verified and acceptable home value, final loan amount, and other qualifying 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. Terms of repayment example: A $350,000 loan with a 30-year term at 6.715% APR with 20% down payment equals a $1,809.57 monthly payment. Taxes and insurance not included, your actual payment obligation will be higher. 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. Other restrictions and limitations apply. For additional terms and programs, please call (800) 839-1154 ext. 4614.