*Available on 1-4 primary residences and secondary residences. Excludes investment properties, mobile homes, homes under construction and homes on leased land. Maximum LTV subject to underwriting guidelines. Property insurance required. Cash out for Jumbo fixed-rate mortgages, for loan amounts between $417,001 and $730,000, have a maximum LTV of 65%. Ask us for details.
1. TD Bank originates all mortgage loans with the intention of servicing them for the life of the term, with the exception of Federal Housing Administration (FHA) loans, which are sold to secondary market investors. The sale of mortgage loans is not limited to FHA loans; TD Bank retains the right to sell any loan, any time, at its discretion.
2. HASSLE-FREE MORTGAGE GUARANTEE: Guarantee does not apply to applications for pre-approval, refinance, home equity products, and loans in excess of $3,000,000. One $500 payment per individual guarantee. Guarantee is not valid if loan amount or product changes. Same-day decision and on-time closing guarantees subject to receipt of required information and documents. For purposes of the guarantee, "same-day" is within 24 hours of receipt of required information; excluding Saturday, Sunday and federal holidays. Closing date will be mutually agreed upon. Offer subject to change at any time.
3. MORTGAGE RATE SECURITY: Modification fee is non-refundable. Modification does not change the original note term. Available on fixed rate and adjustable rate mortgages being modified to a fixed rate mortgage only. Modification not available for land loans, second mortgages, loans secured by investment properties, REMIC (Real Estate Mortgage Investment Conduit) loans, loans not serviced and owned by TD Bank, government or state housing authority loans, or loans with current principal balances under $10,000. Loan must have a payment history of 12 timely payments prior to modification request and not be delinquent at time of modification. Timely is defined as no payments received over 30 days from payment due date and delinquent is defined as payment not received within 30 days of the payment due date. Terms subject to change at any time.
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.
Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.