Mortgages
Ideal if you want to refinance your current property
Features
- Amount Minimum $50,000
- Rate Fixed[note 1 ]
- Payment frequency Monthly
- Terms 1, 3, 5, 7 or 10 years
- Amortization 30 years
Additional information
Whether you're a US citizen, permanent resident or non-resident of the US, Desjardins Bank has a mortgage with an interest rate that fits your needs and lifestyle.
- Eligible property
types[note 2 ]
- Single family home
- Townhouse
- Condo unit
- Mobile home with lot
- Cooperative housing unit
- Minimum loan amount[note 3 ]
$50,000 - Interest rate
Fixed rate based on the initial term selected and the amount granted.
For interest rates, contact a Desjardins Bank branch. - Terms
1, 3, 5, 7 or 10 years - Amortization
30 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.
- 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). - 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
- Call 1-800-454-5058 (toll-free)
- Contact a Desjardins Bank branch
- Based on the initial term selected. Afterwards, the rate is renewable annually based on predetermined factors. [Back - Eligible property types]
- Area must be at least 500 square feet. [Back - Eligible property types]
- 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 80% of the purchase price. [Back - Minimum loan amount]