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Yes. Unlocked iPhones purchased from apple.com are not connected. Your new iPhone will remain unlocked once it is activated. This means that it can be used with any network that offers service to iPhones. An exception to this rule is when an iPhone is purchased with an AT&T Installation Plan. It will be locked to AT&T for the duration of the Installment Plan agreement.
Unlocked iPhones that aren't connected to apple.com can be used with any network. The new iPhone you purchase from apple.com is unlocked after activation. It can then be used with any network that supports iPhone. You can only buy an iPhone with an AT&T installment plan. It will be locked at AT&T and can only work on AT&T's network during the term of your Installment Agreement agreement.
Purchase an iPhone SE (or iPhone 12), iPhone 13 Pro Max (or iPhone 13 Pro Max), at 0% APR over 24 months. Carrier qualification may apply. Trade in an iPhone XR or older (in good order), to get this deal. Activate your new iPhone on any eligible T-Mobile Rate Plan at the time of purchase. You must remain on an eligible TMobile rate plan for 24months to be eligible for the full offer credit.