Quick facts

  • Interest rate: fixed or variable rate based on loan amount and term
  • ARMs: 1, 3 or 5 years
  • Amortization: 25 years
  • Payment schedule: monthly

Who should get this loan?

Borrowers who need a mortgage with an interest rate that fits their needs and lifestyle, whether they are U.S. citizens, permanent residents or non-residents of the U.S.

Ideal if you want to refinance your current property, take advantage of its appreciated equity or borrow to purchase a single family home, townhouse, rental property (4 units or less), condotel, condo, mobile home with lot or a co-op housing unit.


Eligible property types1
  • Single family home
  • Townhouse
  • Condo unit
  • Mobile home with lot
  • Cooperative housing unit
Minimum loan amout
Interest rate
  • Fixed or variable rate based on the loan amount and term.

For interest rates, please contact a Desjardins Bank branch.
1, 3 or 5 years
25 years
Early repayment

No prepayment penalties

Taxes and insurance
Must be paid monthly, at the same time as the mortgage principal and interest.
ASettlement 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
Document preparation

Find out more

If you plan on buying a property, your advisor can provide you with an estimate of the related costs (Good Faith Estimate document).

Did you know?

Your real estate agent may require proof of prequalification for a mortgage. To get this document:

If you are a member of a Desjardins caisse and you are 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.

How to get this product
At the branch At the branch
Through a mortgage representative Through a mortgage representative in Canada
Make an appointment with a mortgage representative:
  • By e-mail
  • Call 1-877-875-1118, ext. 5095030

1. Area must be at least 500 square feet.
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.