Specialty Loans
Construction, Home Improvement, Investment Property, Land. Pool, Second Home Loans and more
Applying for your loan just got easier
Speed up the home loan process with our mobile app, TDECU Mortgage Simplified.
- Start and submit your application
- Securely scan and upload documents
- Instant message your loan officer
- Get updates on the go
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.
9.38%
Interest Rate
9.76%
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.
6.38%
Interest Rate
6.49%
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.
8.50%
Interest Rate
8.78%
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
8.75%
APR as low as
9.19%
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
7.50%
APR
7.76%
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
7.50%
APR
7.76%
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 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.
