Ideal if you want to refinance your current property


  • Amount Minimum $50,000
  • Rate Fixed or variable
  • Payment frequency Monthly
  • Terms 1, 3, 5 or 7 years
  • Amortization 25 years

Additional information

Whether you're a U.S. citizen, permanent resident or non-resident of the U.S., Desjardins Bank has a mortgage with an interest rate that fits your needs and lifestyle.

  • Eligible property types[note  1 ]
    • Single family home
    • Townhouse
    • Condo unit
    • Mobile home with lot
    • Cooperative housing unit
  • Minimum loan amount[note  2 ]
  • Interest rate
    Fixed or variable rate based on the loan amount and term.
    For interest rates, please contact a Desjardins Bank branch.
  • Terms
    1, 3, 5 or 7 years
  • Amortization
    25 years
  • Early repayment
    No prepayment penalties
  • Taxes and insurance
    Must be paid monthly, at the same time as the mortgage principal and interest
  • Settlement agent
    (Equivalent to a notary in Quebec or a lawyer in Ontario)
    • All loans to purchase a cooperative housing unit must be settled by Dubow, Dubow & Wallace.
    • All loans to purchase a mobile home must be settled by Cambridge Title.
  • Main fees
    • Loan processing: $325
    • Underwriting: $150
    • Document preparation: $250
  • Cost estimate
    If you plan on buying a property, your advisor can provide you with an estimate of the related costs (once you've received the Loan Estimate document 3 business days after submitting your application).
  • Prequalification
    Your real estate agent may require proof of prequalification for a mortgage. To get this document:
  • Desjardins caisse members
    If you're a member of a Desjardins caisse and you're registered for AccèsD, you can accelerate the application process by printing out a copy of the Detailed view under Financial summary in AccèsD and bringing it to your appointment.

Customer service

  1. Area must be at least 500 square feet. [Back - Eligible property types]
  2. These loans apply to properties located in the counties of Miami-Dade, Broward and Palm Beach. For properties located outside of these counties, the maximum loan amount authorized is 50% of the purchase price. [Back - Minimum loan amount]