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We are prepared 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 a consultation.
• Message us through our safe and secure online kind.
  
  Welcome home!
  
  If you are thinking about purchasing your very first home, now is the time. Get whatever you desire in a home with a budget-friendly no money down alternative from TDECU Mortgage. Plus, our expert mortgage loan specialists make it quick and easy with fast closings and handy assistance every action of the method.
  
  - Competitive rates
• No money down options1
• Flexible terms for lower regular monthly payments
• Fast closings
• Special discounts for very first responders, veterans and teachers
  
  You now have every factor to start living your imagine home ownership.
  
  Selecting the best mortgage for you
  
  Among the most important actions in buying a home is selecting the best mortgage. We provide a variety of TDECU unique loans to fit your distinct requirements.
  
  103% American Dream Mortgage ARM2
  
  An adjustable rate mortgage (ARM) loan without any down payment requirement and an option to roll in as much as 3% of the closing expenses. Offers a fixed rate for the very first 7 years of the loan term.
  
  8.63%
  
  8.69%
  
  Easy in 30 Purchase Fixed
  
  A 30-year fixed rate loan with no downpayment requirements.
  
  7.50%
  
  7.56%
  
  Construction-to-Permanent. Mortgage
  
  Converts to a permanent mortgage when your home is total. Interest payments just during the construction stage, option to include lot purchase and one-time closing expenses.
  
  Thirty years
  
  Term
  
  Conventional loan options
  
  We also provide standard loans including 30 and 15-year fixed, FHA, and VA loans.
  
  Conforming 30-Year Fixed
  
  This loan type is the most common, with a set rates of interest and payments topped thirty years. Even if rates increase, your payment will remain the same.
  
  6.50%
  
  APR3
  
  6.59%
  
  Conforming 15-Year Fixed
  
  A fixed-rate loan with payments spread out over 15 years. You pay more each month, however you construct equity quickly and spend less in interest over the life of the loan.
  
  5.75%
  
  5.90%
  
  FHA 30-Year Fixed
  
  A loan guaranteed by the Federal Housing Administration for low- to moderate-income home buyers with low deposits and lower credit report requirements.
  
  7.62%
  
  VA 30-Year Fixed
  
  A low-interest rate loan ensured by the Veterans Administration for veterans and active duty members. Benefits consist of relaxed credit requirements, no or low down payment, and no private mortgage insurance coverage.
  
  6.13%
  
  6.45%
  
  Jumbo 7/1 ARM
  
  An adjustable rate loan to purchase or refinance a high-end home. Also readily available as a home equity loan. Offers a set rate for the first 7 years of the loan term.
  
  Rate of interest
  
  8.13%
  
  APR
  
  8.19%
  
  Amount
  
  Starting at $806,501.00
  
  The Home-Buying Process
  
  Let's begin with an introduction of the major steps of obtaining a mortgage.
  
  Compare Rates and Loans
  
  Use our rates chart and calculator tools to determine the very best loan for you.
  
  Get Pre-Qualified
  
  Find out just how much you're pre-approved to obtain. Complete the application online and get a decision within days.
  
  Find a Home
  
  Now that you understand how much you can borrow, start trying to find houses in your rate range.
  
  Submit Application
  
  When you find the best home, submit your loan application. Your pre-qualification benefits 90 days.
  
  Tips to avoid paying closing costs
  
  Closing costs can be a major expense on top of your deposit, often totaling countless dollars. These additional fees can include appraisals, assessments, loan processing fees, and title searches. Here are some ways to help you cut down your closing expenses.
  
  Negotiate with the seller
  
  If the seller is motivated to see the deal go through, you may have the ability to negotiate with them to pay the closing costs.
  
  Consult HUD
  
  Your regional workplace of Housing and Urban Development might be able to offer support.
  
  Speak with a Mortgage Loan Advisor
  
  Cooperative credit union like TDECU have a series of to reduce closing costs.
  
  What to expect when buying a home
  
  Ever question what takes place in the one month between obtaining a loan and closing on a house? Download our Home Financing Roadmap to discover what takes place during each action of the procedure.
  
  Ready to start?
  
  We are all set for you! Start the approval process online, or connect to us in one of the following methods:
  
  - Start the application on our Mortgage Simplified app.
• To speak with a mortgage loan advisor, call (877) 774-2657.
• Prefer to talk about in individual? Schedule a consultation.
• Message us through our safe online type.
  
  Credit approval required.
  
  1 100% financing readily available on specific loans. Certain terms and conditions may use. TDECU Membership required. See TDECU for total information.
  
  2 ARM = Adjustable Rate Mortgage. Loans based on credit approval. Example for a 3.25% APR on a $160,000 loan will require a month-to-month principal and interest payment of $696.33 for 30 years. Payment does not include taxes and insurance so real payment obligation will be higher. ARMs are variable and the rate might increase after the initial fixed rate period. Certain terms may use.
  
  3 APR = Interest Rate
  
  Prices shown go through change everyday with market conditions. Rate offered might include approximately 1 discount point, loan quantity of $350,000, owner-occupied, single-family 1 system house, 80% loan-to-value, FICO rating of 740+, and applicable item loan type( s). Standard origination costs may use. Your real qualifying rate, APR (yearly portion rate), and term might vary based upon your special credit rating, integrated loan-to-value portion based upon confirmed and appropriate home worth, last loan quantity, and other qualifying elements. Rates and terms undergo alter without previous notification