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TD Banks website is not for the faint of heart. The Bank has a vast array of financial products, all indexed and subcategorized on the first page of the website. The level of detail and the presentation in almost academic style is informative if you are fairly familiar with home loan vocabulary or majored in accounting.  The TD loan process seems to be designed for millennials who are fairly well informed on the issues involved in real estate. Although the bank’s website is thorough when describing the various relevant parts of the loan assessment process, the description is less than narrative.

TD Banks Focus and Interests

Although TD Bank does seem to have deep interest in commercial real estate and investment property, the individual home owner who has more than two people in their household is probably not their ideal customer. Although they obviously do not discriminate against larger households, the system is designed for the young, well credit scored well employed millennials with all the blanks neatly filled out. If there are complications or clients need to explain any part of the application more than the process allows, they can contact a loan counselor and kind of start all over.

TD Shows Lots of Options, Unclear Which Ones are Priorities

TD Bank offers many kinds of loan products available is broad and includes fixed rate mortgages, adjustable rate mortgages, FHA loans, VA loans, jumbo loans, HARP refinance services: mortgage refinancing, cash-out refinancing, new home loans and down payment accommodations for first time buyers. The costs of the loan as far as fees and service charges are not as clearly described or centered in this company’s description of their services. Remember, all retail home loan companies charge you for the privilege of their expertise and service in setting up, evaluating and processing the loan application.