Home Equity Loans and Lines of Credit Process



Applying for a TD Home Equity Line of Credit

Here's what to expect from our online application process.
  • You can apply online for a TD Home Equity Line of Credit
    We will ask questions about the properties you own, your income and your expenses. Once we receive your application, we'll contact you if we need any additional information
  • We'll let you know if you've met our lending requirements
    We'll send you your HELOC estimate in the mail. If we need to request additional information, we'll contact you. For a list of required documents, download our checklist
  • And then schedule your required property evaluation
    This may include an appraisal with an interior inspection. If an interior evaluation is required, your lending specialist will contact you to discuss how that will get set up

Applying for a TD Home Equity Loan

Here's what to expect when you apply with one of our home lending specialists.
  • Schedule a call to start your home equity loan application
    Fill out our secure online form to schedule a call with a TD home lending specialist. When you talk, they will walk you through the application and answer any questions you might have
  • We'll let you know if you've met our lending requirements
    We'll mail your loan estimate within 3 business days after your application is received. If we need additional information, we'll contact you. For a list of required documents, download our checklist
  • And then schedule your required property evaluation
    This may include an appraisal with an interior inspection. If an interior evaluation is required, your lending specialist will contact you to discuss how that will get set up

Underwriting, Commitment and Closing

What to expect during the underwriting, commitment and closing for your TD Bank Home Equity Loan or Line of Credit.
  • A loan underwriter will review your financial profile
    The underwriter will compare it to the home equity loan requirements and guidelines for your chosen loan or line of credit. If approved, you will receive a written commitment of terms and conditions
  • With the written commitment, we can process your lending option
    Processing may include: the verification of your financial information, collection of documents to satisfy conditions of the commitment, and a review of the appraisal of the property
  • Closing on your TD Bank Home Equity Loan or Line of Credit
    You'll meet with the lender and anyone else needed to finalize the transaction to sign paperwork and arrange for the loan to be disbursed to you. You must close at a TD location of your choice

Calculate your home equity rate and payment

Use our calculator to find the rates and terms to go with the loan you need.

Get the most out of your home's equity

Ready to choose?

Get more details on TD Bank Home Equity Loans and Lines of Credit, including rates and how to apply

Already started a HELOC application?

Finish your saved TD Bank Home Equity Line of Credit or TD Bank EquityAccess PLUS application

Check the status of your application

See where your TD Bank Home Equity Loan or Home Equity Line of Credit is in the application process

Make a TD Bank Home Equity payment

Log in to the TD Online Loan Payment Center to make a Home Equity Loan or Line of Credit payment or pay by phone at 1-888-751-90001-888-751-9000


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