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Specialty Loans

Specialty Loans

Construction, Home Improvement, Investment Property, Land. Pool, Second Home Loans and more

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.

  • 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

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

Learn more about our specialty loans

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:

APR = Annual Percentage Rate

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.

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