Real Estate Financing

The mortgage solutions you're looking for

We understand the complex cash flows and circumstances of non-wage income sources for many of our clients. That's why with TD Wealth you'll have access to a spectrum of lending options from a team that understands the financing needs of individuals and business owners like you.

Taking personal financing to the next level

You and your family have unique living, lifestyle and investment goals and we’re here to help you achieve them.

With a team of dedicated resources, your local Relationship Manager will help:

  • Streamline the process for you
  • Manage communications with all parties, including you and the underwriter
  • Collect all of your documents
  • Oversee processing with the goal of helping you close in a timely manner

Real estate financing options

You’ve earned access to a distinctive portfolio of real estate financing solutions.


  • Mortgages

    If you need to refinance your existing home, purchase a new home or investment property, our portfolio of mortgages is competitively priced and delivered with legendary service from TD Bank.

    • Fixed Rate Jumbo Mortgages*
    • Adjustable Rate Jumbo Mortgages (ARMs)*
    • Interest-Only Adjustable Rate Jumbo Mortgage (IO)*
    • Medical Professional Mortgage*

    *Multiple terms available

  • Home equity line of credit

    Leverage the equity you’ve built in your home with a home equity line of credit with an attractive variable interest rate. Features of a TD Home Equity Line of Credit include:

    • As much as 0.25% off your interest rate based on your relationship with us1
    • The option to convert all or a portion of your line from a variable to a fixed rate2
    • A Visa® EquityAccess Card that lets you advance cash easily
  • Construction lending options

    Take advantage of our all-in-one solution for financing both the construction and ownership of your new home.

    Your benefits include:

    • One closing at the start of construction
    • Interest-only payments during the construction phase
    • Jumbo loan sizes available
    • Financing offered for acquisition or remodel

Related investing and financial information

About TD Wealth

Discover what sets TD Wealth and the Private Client Group apart when it comes to managing your wealth and creating personalized real estate financing solutions with help from a dedicated local Relationship Manager.


Let's start the conversation

Our TD Wealth Advisors are available to provide you with advice to help you meet your financial goals.


1A qualifying TD Bank personal checking account is required to be eligible for this additional 0.25% discount. This relationship discount may be terminated and the interest rate on this account may increase by 0.25% upon closure of the qualifying checking account.

2Locking allows you to convert purchases to a fixed rate. Fixed rate conversion is optional. Minimum amount is $5,000. Borrowers may have three fixed rate conversions open at one time.

All loans subject to credit approval based on underwriting guidelines. Other terms and conditions may apply. Loan approval time frames subject to all documents being received and conditions met within 48 hours of submission of the application. Interest paid on certain loans may be tax deductible. Consult your tax advisor about the deductibility of interest.

USA Patriot Act: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

15- or 30-Yr Fixed Rate: Fully amortizing loan over a period of either 180 or 360 months. The interest rate and payment will remain the same for the entire term and loan repayment period. The monthly payment will consist of both interest and principal.

ARM (Adjustable Rate Mortgage): Fully amortizing loan. The interest rate changes at a set time over the term of the loan. The change in the interest rate is determined by a change in a published index rate. The change in the interest rate will result in a change in the monthly payment. The monthly payment can both increase and decrease over the term and loan repayment period. The monthly payment will consist of both interest and principal.

Interest-Only ARM: Fully amortizing loan. For an initial specified period during the loan term, the monthly payment will consist of interest only with no reduction in the principal balance of the loan. After the initial interest-only period, the interest rate changes at a set time for the remaining term of the loan. The change in the interest rate is determined by a change in a published index rate. The change in the interest rate will result in a change in the monthly payment. The monthly payment can both increase and decrease over the loan repayment period. After the initial interest only period, the monthly payment will consist of both interest and principal resulting in a higher monthly payment.

Home Equity Line of Credit Offer and Rates: A qualifying TD Bank personal checking account is required to be eligible for this additional 0.25% discount. This relationship discount may be terminated and the interest rate on this account may increase by 0.25% upon closure of the qualifying checking account. The following fees apply: origination fee of $99 (this is a finance charge), and early termination fee of 2% of outstanding principal balance (maximum $450) if line of credit is paid off within 24 months. Property insurance is required. If you pay interest only, you still owe the amounts drawn and your monthly payment will increase when the interest-only period ends. For line amounts greater than $500,000, additional terms and conditions will apply. Rates may vary by state, and are applicable to the state in which the collateral property is located. Ask us for details.

Visa is a registered trademark and service mark of Visa International Service Association, and is used by TD Bank, N.A. pursuant to license from Visa U.S.A. Inc. TD Bank, TDPCW, their affiliates, and TD Wealth Relationship Managers and Advisors do not provide legal or tax advice. Any tax advice in this material is not intended or written to be used, and cannot be used, by any recipient for the avoidance of penalties under federal tax laws.

Loans subject to credit approval.

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