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TDECU Mortgage Options

TDECU Mortgage Options

Find the right solutions for all your home loan needs

Need assistance with your existing home loan?

Need assistance with your existing home loan?

If you need to make your monthly loan payment, have questions about your escrow account, or need assistance with starting an insurance claim, we are here to help. The TDECU Mortgage Service Center has everything you need to manage your TDECU home loan.

We make home happen

At TDECU, our top priority is you. For this reason, we offer a variety of home loan programs so you can choose a financing option that best fits your needs and financial future. From purchasing your first home, refinancing your current mortgage to take advantage of lower interest rates, or tapping into the equity of your home, we have you covered.

Questions? Please call us at (281) 729-6485 and a TDECU Mortgage Loan Advisor will give you all the information you need.

What is your goal?

Buy a home

Whether this is your first home or your vacation home, we have home loans to fit your specific needs.

Refinance your home

With our refinance options, you could lower your monthly house payments or pay off your loan sooner.

Tap into your home equity

Unlock your property’s real estate value to fund home improvement projects, consolidate debt, or make a large purchase.

The TDECU Mortgage Advantage

60-Day Rate Lock

60-Day Rate Lock

Lock in your rate after pre‑qualification

Low Down Payments

Low Down Payments

Down payments as low as 0% down

Faster Closing

Faster Closing

Quick turnaround time from application review to closing

Flexible Options

Flexible Options

Choose a fixed or adjustable‑rate loan

Current Home Loan Rates

Check out our competitive rates for purchases, home loan refinancing, home equity loans, and to determine your monthly payment.

Buy a Home

Whether it is your first home, a vacation home, or an investment property, we have home loans to fit your needs.

Loan Type Interest Rate APR1
Conforming 30-Year Fixed 6.75% 6.88%
Conforming 15-Year Fixed 5.88% 6.17%
FHA Loan 30-Year Fixed 6.38% 7.95%
VA Loan 30-Year Fixed 6.38% 6.73%
Easy in 30 Purchase Fixed 7.88% 8.24%
103% American Dream Mortgage ARM 8.50% 8.76%
Condominium 10/1 ARM 7.88% 8.12%
Jumbo 7/1 ARM 7.25% 7.48%

Refinance Your Home

Take advantage of lower interest rates to meet your financial goals, from lower monthly payments to paying off your loan faster.

Loan Type Interest Rate APR1
Conforming 30-Year Fixed 6.75% 6.88%
Conforming 15-Year Fixed 5.88% 6.17%
FHA Loan 30-Year Fixed 6.38% 7.95%
Easy in 30 Refinance Fixed 7.88% 8.24%

Home Equity Loan

Tap into the value of your home to fund a home improvement project, consolidate your debt, or make a large purchase.

Loan Type Interest Rate APR1
Conforming 30-Year Fixed 6.88% 6.96%
Conforming 15-Year Fixed 6.50% 6.64%
Streamline Home Equity Loan 7.88% 8.01%

Specialty Loans

Looking for something different? We have a variety of loan types to fit your needs.

Loan Type Interest Rate APR1
Construction-to-Permanent Mortgages Variable Variable
Home Improvement Loan Variable Variable
Land Loans 9.13% 9.39%
Pool Loans 9.88% 10.23%
Primary Home 10/1 ARM 7.63% 7.98%
Second Home 10/1 ARM 8.13% 8.37%
Investment Property 10/1 ARM 8.13% 8.37%

APR = Annual Percentage Rate

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.

Ready to get started?

Here are your next steps!

  1. Compare rates and loan options
    Use our current rates and calculators to determine the best loan option for you.
  2. Complete your pre-qualification
    Securely submit your personal, financial, and employment information through our online portal or mobile app.
  3. Get pre-qualified
    Get a pre-qualified decision on your eligibility within 2 business days.
  4. Submit your application
    Use your pre-qualification to apply for one of our home loan options within 90 days.
Do you have questions about the different loan types or just not sure where to start?

Talk with a TDECU Mortgage Loan Advisor and get the information you need.

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