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Can a persons name be on the deed even if they are not on the HomeReady mortgage? What are the requirement to get the $2,000 toward closing cost? Does getting the $2,000 increase your interest rate on the mortgage?
Jamie, Upper Darby
October 6, 2017 04:57:47 PM
In reply to Jamie, Upper Darby
Hi Jamie! Thanks for coming to TD Helps with some great questions.
We're happy to inform you that you can have an individual listed on the deed that is not necessarily a cosigner on the mortgage.
In order to receive the $2,000.00 bonus toward closing costs, you will need to qualify for the HomeReady Program. This program is based upon the average income for the specific area where the home you're interested in is located. This promotional credit should not affect your interest rate at all.
For more information about our mortgages, we encourage you to visit us here: https://go.td.com/2jQXWsK. From this page you'll be able to use our calculators to find out how much you can afford and what your payments may be, as well as find helpful links that will walk you through the mortgage process so you know exactly what to expect. We'd also love to talk with you and see what you may prequalify for. Don't hesitate to give us a call at 866-325-4516. We have representatives available Monday through Friday from 8AM to 10PM and on weekends from 8AM to 8PM. You can even schedule a good time for us to call you on that page we provided above.
If you have any additional questions, please don't hesitate to give us a call at the number above or stop in to see us at any of our Stores. To find one near you, please click here: https://go.td.com/1nq31dc.
We wish you the very best of luck in your upcoming home purchase, Jamie!
Candice A, Mount Laurel
October 6, 2017 04:58:23 PM