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TD Home Lending

Complex cash flows and non-wage income sources can complicate home financing. With TD Wealth Private Client Group, you'll have access to a spectrum of home financing solutions.

Take personal financing to the next level

  •  Streamlined application process

     Your dedicated TD Wealth Relationship Manager and TD Wealth Lending Advisor will coordinate the application process including collecting all necessary documents and expediting timelines where possible

  •   Managed communication

     We'll manage communications with all parties including you and the underwriter saving you time and effort

  • Flexible finance options

     Access a suite of home financing solutions including mortgages, Home Equity Lines of Credit, Home Equity Loans, and residential construction lending options

Home financing options

  •   Mortgages

     Competitively priced mortgages including:

    • Fixed Rate Jumbo Mortgages*
    • Adjustable-Rate Jumbo Mortgages (ARMs)*
    • Interest-Only Adjustable-Rate Jumbo Mortgages (IO)*
    • Medical Professional Mortgages*
    • Entity Based Mortgages are available to finance properties owned in single purpose LLCs or Trust Structures.
    • Rate discount of .125% when you establish autopayment from a TD checking or savings account.1

  •   Home Equity Line of Credit and Home Equity Loans

    With attractive variable interest rates, a TD Home Equity Line of Credit (HELOC) features:

    • Up to 0.25% off your interest rate2
    • The option to convert all or a portion of your line from a variable to a fixed rate3
    • Interest-Only payments for 10-years
    • If a fixed interest rate is preferred, a TD Home Equity Loan (HELOAN) features:
      • Up to 0.50% off of your interest rate4
      • Fixed principal and interest payments for the life of the loan

  •   Construction lending options

     An all-in-one solution for financing both the construction and ownership of your home including:

    • Save money on closing costs. You'll have just one application and one closing, so you will only pay closing costs once
    • Interest-only payments during construction period
    • Jumbo loan sizes available
    • Financing offered for both new construction or renovations 

Connect with a TD Wealth Relationship Manager

 Our TD Wealth Relationship Managers are available for a complimentary consultation to start planning for your future. 

* Multiple terms available on mortgages

1 Valid on select mortgage products. Discount requires enrollment in Automatic Payment Deduction from an eligible TD Bank Personal Checking or Savings Account.

2 This relationship discount may be terminated and the interest rate on this account may increase upon closure of the qualifying TD Bank Private Tier Checking Account.  The following fees are waived with an established TD Wealth Relationship: origination fee of $99 (this is a finance charge), and $50 Annual Fee.  The Annual Fee may be charged if qualifying TD Wealth Relationship is terminated.  The following fee apply: an early termination fee of 2% of outstanding principal balance (maximum $450) if line of credit is paid of 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 fees will apply.  Rates may vary by state and are applicable to the state in which the collateral property is located.  Ask us for details.

3 A Fixed Rate Option (FRO) is available for eligible TD Bank Home Equity Lines of Credit (HELOC). Up to three FRO loans can be established at one time, anytime during the Draw or Repayment Period. The minimum FRO term is 5 years and maximum cannot exceed the remaining term of the HELOC. The minimum FRO amount is $5,000. Rates are based on the current Home Equity Loan rates for a comparable term and any applicable rate discounts at the time the Fixed Rate Option request is made.

4 A qualifying TD Bank Private Tier Checking Account with an Automatic Payment Deduction (APD) is required to be eligible for 0.25% rate discount for Home Equity Loans (HELOAN) less than or equal to $500,000 or a 0.50% rate discount for HELOANs greater than $500,000.   This APD discount may be terminated and the interest rate on this account may increase upon closure of the TD Bank Private Tier Checking Account or terminating the APD.

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.

Loans subject to credit approval.

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Member FINRA/SIPC

Equal Housing Lender | Loans subject to credit approval

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