Mortgage

You can trust TD Bank to deliver a superior mortgage experience. Whether you’re purchasing or refinancing, we provide straightforward, easy-to-understand products and advice, allowing you to make smart borrowing decisions that meet your needs today and tomorrow.

We offer the convenience of Mortgage Rate Security¹. If rates drop after you have made 12 timely payments, you may be able to lower your rate without refinancing.

Plus, our Hassle-Free Mortgage Guarantee² makes purchasing a home as smooth and worry-free as possible. You have our word.

• Same-day loan decision or $500
• Guaranteed closing costs or $500
• On-time closing or $500

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Convenient Online Application
Applying for a mortgage online is easy. And if you don't have time to complete your application, save it and finish later.

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Helpful Resource Center
Get the mortgage tools and information you need with our FAQs, calculators and glossary of terms.

¹ Terms and Conditions: Modification fee is non-refundable. Modification does not change the original note term. Available on fixed rate and adjustable rate mortgages being modified to a fixed rate mortgage only. Modification not available for land loans, second mortgages, loans secured by investment properties, REMIC (Real Estate Mortgage Investment Conduit) loans, loans not serviced and owned by TD Bank, government or state housing authority loans, or loans with current principal balances under $10,000. Loan must have a payment history of 12 timely payments prior to modification request and not be delinquent at time of modification. Timely is defined as no payments received over 30 days from payment due date and delinquent is defined as payment not received within 30 days of the payment due date. Terms subject to change at any time.

² Guarantee does not apply to applications for pre-approval, refinance and home equity products. Guaranteed closing costs are based on the Good Faith Estimate provided in the Important Mortgage Information Package. Rate lock fees, and fees not controlled by the lender, such as prepaid interest, taxes, insurance, escrows, survey fees, and premium fees associated with borrower choosing own attorney or borrower's title insurance, are not included. One $500 payment per individual guarantee. Guarantee is not valid if loan amount or product changes. Same-day decision and on-time closing guarantees subject to receipt of required information and documents. For purposes of the guarantee, "same-day" is within 24 hours of receipt of required information; excluding Saturday, Sunday and federal holidays. Closing date will be mutually agreed upon. Offer subject to change at any time.