TD Bank Mortgage Rates

DO NOT USE TD BANK! I have never left a negative review in my life, but I really feel the need to warn people. From the beginning I was met with poor communication and incompetence, even from the supervisors. I had over 32 unanswered emails and phone calls from them, which almost cost me to lose the house because of the amount of delays they forced. I thought once in the house, the nightmare would end but it's only gotten worse - I've had a problem every month. Credit score affected by their incompetence, first when they had to run it multiple times when they passed me through 4 different loan processors, and now because each time they tell me a payment is made via phone or walking into my local branch, there is an error. For example, this month instead of issuing the payment as a payment, they added to my account as an "unapplied fund," which did not count as a payment and then they issued me a late fee, so the unapplied funds were now less than my payment by $13 so they weren't applied again, therefore another late fee. I take personal accountability where it is due, but please just be warned. TD Bank is not the right choice and I wish someone told me this.

It is a busy time in real estate. Stay away from TD Bank as they are too busy to close on time, tell the truth about what to expect, fix any problem when it arises, or communicate the status of their own piece of the closing. My daughter and son-in-law are buying their first home. Should be a great time, but stressful of course. The closing date was in the original contract signed weeks ago and the bank has had all the information they needed. In fact the kids were pre-approved so only the property needed to be analyzed. Well the day before closing the bank "could not complete processing. Set the deal back a week. In that week the bank has done nothing and now has gone radio silent despite several promises of an update. So whether closing will happen tomorrow on the date the bank set remains a mystery. Do yourself a favor and go with another bank that can at least manage its own business and keep its promises.

THE MOST INCONVENIENT bank for refinance The lack of underwriting expertise and loan officers is very disappointing. It’s been over 6 months that my refinance loan with no money down was approved. They still not have answered when my closing will be, I paid for the appraisal and everything, now I need to find another company because I LOST MONEY, TIME AND INTEREST TO MOVE FORWARD WITH REFINANCE