TD Bank Home Equity Loan1

Your actual Annual Percentage Rate (APR) may be various than the rates shown. % Interest Rate (APR) is for loan amounts in between $100,000 and $499,999 with 120-month term and collateral residential or commercial property in second lien position. The rates of interest is fixed for the life of the loan. Loan terms can vary from 5 years to thirty years. Since, APRs for Home Equity Loans vary from % to %. The APR will not go beyond 18%. Other rates are available for other loan amounts and terms. Rates may vary by state, and are based upon the state in which the collateral residential or commercial property is located. Your APR is based upon the specific characteristics of your credit application consisting of however not limited to: assessment of credit rating, amount of credit requested, residential or commercial property type, lien position, integrated loan to value, and/or geographical location. Combined loan to worth (CLTV) is a portion determined by dividing your total outstanding mortgage(s) - or liens - by the market worth of the residential or commercial property. Rates subject to change.


For loans protected by New York residential or commercial property: TD Bank NA is registered with the Superintendent of New York. You might submit grievances and acquire more info about the servicer by contacting 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 academic purposes only. Your real Annual Percentage Rate (APR) might be various than the rates shown. % Annual Percentage Rate (APR) is for loan amounts in between $100,000 and $499,999 with 120-month term and security residential or commercial property in second lien position. The rate of interest is repaired 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 exceed 18%. Other rates are offered for other loan quantities and terms. Rates may vary by state, and are based on the state in which the security residential or commercial property is situated. Your APR is based on the specific characteristics of your credit application consisting of but not limited to: of credit report, quantity of credit requested, residential or commercial property type, lien position, combined loan to value, and/or geographical area. Combined loan to value (CLTV) is a percentage computed by dividing your total impressive mortgage(s) - or liens - by the market value of the residential or commercial property. Rates subject to alter.


Rate shown includes discount of 0.25% requiring Automatic Payment Deduction from a TD Bank personal checking or cost savings account.


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


Maximum combined loan to value (CLTV) is based upon credit rating, residential or commercial property type, occupancy, lien position and loan quantity. Occupancy is related to how you use the residential or commercial property. 1) Primary occupancy: a residential or commercial property in which you live most of the year; 2) Secondary tenancy: a residential or commercial property in which you live part of the year (e.g., weekends or holidays); 3) Investment: a residential or commercial property that is used by others, in which you might or may not receive rent.


Offer valid on loan amounts as much as $500,000. For loan amounts greater than $500,000, additional conditions will use. Lien position might impact the optimum loan quantity.


Available on 1-4 household main or secondary residences, omitting mobile homes, boats, RVs, and homes for sale, under building and construction or on leased land. For co-ops, additional terms and conditions will use. For a residential or commercial property value greater 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 consultant about the deductibility of interest.


2TD Bank does not offer student loans.


3A TD Bank individual bank account is required to be eligible for this 0.25% HELOC rate discount rate. This relationship discount might be terminated and the rate of interest on your Home Equity Line of Credit or Personal Unsecured Line of Credit account might increase by 0.25% upon closure of your qualifying checking account. For a Home Equity Loan or Personal Loan, rate discount rate requires automated payment reduction from an individual TD Bank examining or savings account. This discount might be terminated and the rates of interest on this account might increase by 0.25% upon cancellation of the automated payment deduction.


4Loan quantities for less than $25,000 are only offered for Home Equity Loans with Primary Residence as residential or commercial property usage.


For loans secured by New york city residential or commercial property: TD Bank NA is signed up with the Superintendent of New York. You might file grievances and get additional information about the servicer by calling the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by checking out the Department's website at www.dfs.ny.gov.


Mortgage and Home Equity Servicing Fee Schedule


TD Bank NA might use third-party providers during the maintenance of your loan. Please contact TD Bank NA if you have any concerns.