Make Home Happen
Flexible mortgage options for every buyer.
We Are Here to Help
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.
Home Is Closer Than You Think
When it feels like the right time for a new home — or a new start — we’re here to help. Plus, our professional mortgage loan experts make it quick and easy with fast closings and helpful guidance toward the option that feels right for you.
- Competitive rates
- No money down options1
- Flexible terms for lower monthly payments
- Fast closings
- Special discounts for first responders, veterans, and educators
Selecting the Right Home Loan for You
One of the most important steps in buying a home is choosing the right mortgage. We offer a range of exclusive loans to fit your unique needs.
HELOC 1st Lien
Tap into your home’s equity with a flexible HELOC. Borrow what you need, when you need it, for home projects, debt consolidation, education expenses, and more.
7.75%
Interest Rate
7.81%
APR2
30 Year
Term
Conventional 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.
7.00%
Interest Rate
7.12%
APR2
30 year
Term
Easy in 30 Purchase Fixed
A 30-year fixed rate loan with no down payment requirements.
7.63%
Interest Rate
7.68%
APR2
30 year
Term
Other Loan Options
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
6.63%
APR2
6.77%
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.
Interest Rate
7.00%
APR2
7.10%
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%
APR2
7.36%
Amount
Starting at $85,000
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
6.88%
APR2
6.93%
Amount
Starting at $832,750.00
Government Loans
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
6.63%
APR2
8.23%
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
6.63%
APR2
6.97%
Mortgage Calculator
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 on our Mortgage Simplified app.
- To speak to a mortgage loan advisor, call (877) 774-2657.
- Prefer to discuss in person? Schedule an appointment.
- Message us through our secure online form.
1 100% financing available on certain loans. Certain terms and conditions may apply. TDECU Membership required. See TDECU for complete details.
2 APR = Annual Percentage Rate
Rates, APRs, and terms are subject to change without notice and are subject to credit approval, income and asset verification, and property eligibility requirements. Property insurance is required. Flood insurance may also be required depending on the location of the property. Additional fees, closing costs, and escrow requirements may apply.
Rate assumptions: Advertised rates assume a $350,000 loan amount, 80% CLTV, owner-occupied single-family residence, 740+ FICO score, and a 30-year conventional fixed-rate cash-out refinance. Actual rate, APR, payment, and terms may vary based on credit qualifications and loan characteristics (including loan amount, loan-to-value, product, and occupancy).
Repayment example: A $350,000 loan with a 30-year fixed term at 7.13% interest rate and 7.19% APR has a monthly principal and interest payment of $2,359.54. Taxes, insurance, and escrow amounts are not included; actual payment obligations will be higher.
Adjustable-rate mortgage (ARM) disclosure: ARM rates and payments may increase after the initial fixed-rate period.
Texas home equity products: Home equity loans and lines of credit are available only on eligible Texas homesteads and are subject to credit approval. Total debt secured by a homestead may not exceed 80% of the property's fair market value. HELOC APRs are variable and may increase or decrease over time. Texas home equity loans are subject to a 12-day waiting period and a three-day right of rescission.
Consult your tax advisor regarding the deductibility of interest.
Equal Housing Lender.
For complete loan terms and eligibility requirements, contact TDECU Mortgage at (877) 774-2657.