Mortgage, Auto

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Mortgage Refinance Tax Deductions*

Deducting Mortgage Interest and Property Tax*

Qualified TD Bank personal checking customers get 0.125% off their mortgage rate, which could save you thousands in interest over the life of your loan.

With TD Bank discount* Without TD Bank discount* Loan amount: $200, 000 $200, 000 Closing fees: $4, 425.24 $4, 425.24 30-year fixed-rate: 4.313%, APR 4.378% 4.438%, APR 4.503% Total payments: $356, 857.25 $362, 165.68 Interest paid: $156, 857.25 $162, 165.68 Total savings: $5, 308.43 N/A

To be eligible for the 0.125% discount, a TD Bank personal checking account is required to be open and in good standing within 14 calendar days of loan application. Offer subject to change.

*This is an example only. Savings example is based on a rate for a 30-year-fixed rate loan and assumes the purpose of the loan is to purchase a property, an existing single family home to be used as a primary residence with an estimated property value of $250, 000, a 20% downpayment and loan value of $200, 000. The property is located in Framingham, MA and is within Middlesex county. The rate reflects a 60 day rate lock period.

The rate shown is not guaranteed and is subject to change without notice. This is not a credit decision or a commitment to lend. The information provided assumes excellent credit score rating of 740. An escrow (impound) account is required. Your actual rate will depend on various factors including but not limited to loan type, credit profile, property type, appraised value, occupancy, subordinate financing and loan size.

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How to get the best mortgage rates - Quora

I agree with Michael Cheng. If you have a great credit score, stable, verifiable income, verifiable cash on hand or assets, you are a dream client. By comparison shopping, you will be able to obtain a Loan Estimate from at least three different types of lenders: Talk with the mortgage department of where you currently bank. You already have a banking relationship with them. This is a good place to start. Next, apply with a local, licensed non-bank mortgage lender. Somebody located in the town in which you live.  Last, apply with a local mortgage broker.

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