Ideal if you want to refinance your current property


  • 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 ]
  • 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

  1. Based on the initial term selected. Afterwards, the rate is renewable annually based on predetermined factors. [Back - Eligible property types]
  2. Area must be at least 500 square feet. [Back - Eligible property types]
  3. 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]