TD Bank Home Equity Loan1

Your actual Interest rate (APR) may be various than the rates shown. % Interest Rate (APR) is for loan quantities in between $100,000 and $499,999 with 120-month term and collateral residential or commercial property in second lien position. The interest rate is fixed for the life of the loan. Loan terms can vary from 5 years to thirty years. As of, APRs for Home Equity Loans range from % to %. The APR will not go beyond 18%. Other rates are available for other loan quantities and terms. Rates may differ by state, and are based upon the state in which the security residential or commercial property lies. Your APR is based on the particular characteristics of your credit application including but not restricted to: evaluation of credit report, amount of credit requested, residential or commercial property type, lien position, integrated loan to value, and/or geographic location. Combined loan to value (CLTV) is a portion determined by dividing your total outstanding mortgage(s) - or liens - by the market price of the residential or commercial property. Rates subject to change.


For loans secured by New York residential or commercial property: TD Bank NA is registered with the Superintendent of New York. You may file grievances and acquire more information about the servicer by getting in touch with the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by going to the Department's site at www.dfs.ny.gov.


Loans based on credit approval. Equal Housing Lender 


1The rate is for illustrative and educational purposes only. Your real Interest rate (APR) might be various than the rates revealed. % Annual (APR) is for loan amounts between $100,000 and $499,999 with 120-month term and security residential or commercial property in second lien position. The rates of interest is fixed for the life of the loan. Loan terms can range from 5 years to thirty years. As of, APRs for Home Equity Loans vary from % to %. The APR will not go beyond 18%. Other rates are offered for other loan amounts and terms. Rates might differ by state, and are based on the state in which the collateral residential or commercial property is situated. Your APR is based upon the particular qualities of your credit application including but not restricted to: assessment of credit history, amount of credit requested, residential or commercial property type, lien position, combined loan to worth, and/or geographic area. Combined loan to worth (CLTV) is a portion computed by dividing your total outstanding mortgage(s) - or liens - by the market worth of the residential or commercial property. Rates subject to change.


Rate shown consists of discount of 0.25% requiring Automatic Payment Deduction from a TD Bank individual monitoring or cost savings account.


Origination cost of $99, which is a financing charge, uses.


Maximum combined loan to value (CLTV) is based upon credit history, residential or commercial property type, tenancy, lien position and loan amount. Occupancy is associated with how you use the residential or commercial property. 1) Primary occupancy: a residential or commercial property in which you live many of the year; 2) Secondary tenancy: a residential or commercial property in which you live part of the year (e.g., weekends or trips); 3) Investment: a residential or commercial property that is used by others, in which you might or might not get lease.


Offer legitimate on loan amounts as much as $500,000. For loan amounts higher than $500,000, extra conditions will use. Lien position might affect the maximum loan quantity.


Available on 1-4 family primary or secondary residences, leaving out mobile homes, boats, RVs, and homes for sale, under construction or on leased land. For co-ops, extra terms will use. For a residential or commercial property value higher than $2.5 million, additional terms might use. Residential or commercial property insurance is needed.


Interest paid on an equity line or equity loan might be tax deductible. Consult your tax advisor about the deductibility of interest.


2TD Bank does not offer student loans.


3A TD Bank personal monitoring account is needed to be eligible for this 0.25% HELOC rate discount. This relationship discount may be terminated and the rates of interest on your Home Equity Credit Line or Personal Unsecured Credit line account might increase by 0.25% upon closure of your certifying inspecting account. For a Home Equity Loan or Personal Loan, rate discount requires automated payment reduction from an individual TD Bank inspecting or cost savings account. This discount rate may be terminated and the rates of interest on this account might increase by 0.25% upon cancellation of the automatic payment deduction.


4Loan amounts for less than $25,000 are just readily available for Home Equity Loans with Primary Residence as residential or commercial property usage.


For loans secured by New York residential or commercial property: TD Bank NA is registered with the Superintendent of New York. You might submit grievances and acquire additional info about the servicer by contacting the New york city State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by going to the Department's site at www.dfs.ny.gov.


Mortgage and Home Equity Servicing Fee Schedule


TD Bank NA might utilize third-party providers throughout the servicing of your loan. Please contact TD Bank NA if you have any concerns.