Ready to Start?
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We are all set for you!
Start the approval procedure online, or reach out to us in among the following ways:
zameen.com
Download our Mortgage Simplified app.
- Give us a call - (877) 774-2657. Schedule an appointment.
- Message us through our secure online type.
Welcome home!
If you are considering buying your first home, now is the time. Get everything you desire in a home with an affordable no cash down alternative from TDECU Mortgage. Plus, our professional mortgage loan professionals make it quick and easy with fast closings and valuable assistance every step 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 educators
You now have every reason to begin living your dream of home ownership.
the best mortgage for you
One of the most crucial actions in purchasing a home is choosing the right mortgage. We provide a series of TDECU exclusive loans to fit your special requirements.
103% American Dream Mortgage ARM2
An adjustable rate mortgage (ARM) loan without any deposit requirement and a choice to roll in approximately 3% of the closing expenses. Offers a fixed rate for the first 7 years of the loan term.
8.63%
8.69%
Easy in 30 Purchase Fixed
A 30-year fixed rate loan without any downpayment requirements.
7.50%
7.56%
Construction-to-Permanent. Mortgage
Converts to a permanent mortgage when your house is total. Interest payments just throughout the construction phase, option to consist of lot purchase and one-time closing expenses.
30 Year
Term
Conventional loan alternatives
We also offer traditional loans consisting of 30 and 15-year repaired, FHA, and VA loans.
Conforming 30-Year Fixed
This loan type is the most typical, with a set rates of interest and payments spread out over thirty years. Even if rates rise, your payment will stay the same.
6.50%
APR3
6.59%
Conforming 15-Year Fixed
A fixed-rate loan with payments topped 15 years. You pay more monthly, but you build equity rapidly and invest less in interest over the life of the loan.
5.75%
5.90%
FHA 30-Year Fixed
A loan insured by the Federal Housing Administration for low- to moderate-income home purchasers with low deposits and lower credit history requirements.
7.62%
VA 30-Year Fixed
A low-interest rate loan guaranteed by the Veterans Administration for veterans and active duty members. Benefits consist of unwinded credit requirements, no or low deposit, and no private mortgage insurance.
6.13%
6.45%
Jumbo 7/1 ARM
An adjustable rate loan to purchase or re-finance a luxury home. Also readily available as a home equity loan. Offers a set rate for the first 7 years of the loan term.
Rates 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 best loan for you.
Get Pre-Qualified
Discover just how much you're pre-approved to borrow. Complete the application online and get a choice within days.
Find a Home
Now that you know just how much you can borrow, start searching for houses in your cost variety.
Submit Application
When you find the ideal home, submit your loan application. Your pre-qualification benefits 90 days.
Tips to avoid paying closing costs
Closing expenses can be a significant expenditure on top of your down payment, often amounting to thousands of dollars. These additional fees can include appraisals, assessments, loan processing charges, and title searches. Here are some methods to help you cut down your closing costs.
Negotiate with the seller
If the seller is motivated to see the offer go through, you may have the ability to negotiate with them to pay the closing costs.
Check with HUD
Your regional workplace of Housing and Urban Development might be able to provide assistance.
Speak to a Mortgage Loan Advisor
Cooperative credit union like TDECU have a variety of mortgage alternatives to reduce closing costs.
What to expect when purchasing a home
Ever question what happens in the 1 month between obtaining a loan and closing on a house? Download our Home Financing Roadmap to discover what takes place throughout each step of the process.
Ready to start?
We are all set for you! Start the approval process online, or connect to us in among the following methods:
- Start the application on our Mortgage Simplified app. - To speak with a mortgage loan advisor, call (877) 774-2657.
- Prefer to discuss face to face? Schedule a visit.
- Message us through our protected online kind.
Credit approval needed.
1 100% financing readily available on specific loans. Certain terms and conditions might use. TDECU Membership needed. See TDECU for complete details.
2 ARM = Adjustable Rate Mortgage. Loans based on credit approval. Example for a 3.25% APR on a $160,000 loan will need a month-to-month principal and interest payment of $696.33 for thirty years. Payment does not include taxes and insurance coverage so real payment obligation will be higher. ARMs are variable and the rate may increase after the initial set rate duration. Certain terms might apply.
3 APR = Annual Percentage Rate
Prices shown are subject to alter day-to-day with market conditions. Rate supplied might consist of up to 1 discount point, loan amount of $350,000, owner-occupied, single-family 1 system home, 80% loan-to-value, FICO score of 740+, and suitable item loan type( s). Standard origination costs might apply. Your real qualifying rate, APR (annual portion rate), and term might differ based upon your distinct credit rating, combined loan-to-value percentage based on verified and appropriate home value, last loan amount, and other qualifying aspects. Rates and terms undergo change without previous notification; other constraints might use. Adjustable-Rate Mortgages (ARM) vary, and your rate may increase after the initial fixed-rate duration. Terms of repayment example: A $350,000 loan with a 30-year term at 6.715% APR with 20% down payment equates to a $1,809.57 month-to-month payment. Taxes and insurance coverage not consisted of, your real payment obligation will be higher. Contact TDECU Mortgage for extra information and loan requirements. We do service in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Other constraints and constraints use. For additional terms and programs, please call (800) 839-1154 ext. 4614.
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