love it
The friendliest bank around the best bank I've ever dealt with
Me and my husband were approved for $170,000 with TD bank with their right step mortgage option. We found a house and signed on the contract on March 24th. That same day the contract got sent to Rebecca at TD bank who was handling our mortgage. She then discussed with our realtor and the sellers realtor a closing date and decided on April 25th. We got the rate lock agreement on April 1st and signed and returned them the same day. Rebecca explained she was going on vacation but that that wouldn't hinder our closing date. On monday, April 11th rebecca emailed me and told me that our closing date wouldn't be for another 30-45 because it is based after the rate lock is received. She then told me I didn't give her a list of paperwork (that I had received on April 11th) when the contact was signed, my realtor shouldn't have chosen that closing date when they decided that date together and that it was a good thing that the rate lock was processed when it was because when she processed our rate lock the interect rate dropped. We spoke with the branch manager, Taylor, today and he told us we were not allowed to use the right step mortgage option because of our income and the location of the house. So the mortgage we were going to have to go with had a 1% higher interest rate and our rate per month would be $358 more a month. We were told this 2 weeks before our closing date! We had given rebecca our 2015 tax returns when we're preapproved and she saw the location of the house on March 24th when she got the contract. So she knew our income and the location of the house and never shared this information with us. The manager also reiterated everything rebecca said. However I called customer service and when sonja looked into our loan she said that the rate lock can be put in 2 weeks before closing and not mess up the closing date. She explained that the underlying issue was that the application was never sent in on March 24th to be approved. So we were lied to and taken advantage of by td bank. This is our first time buying a home and we were taken advantage of because of that. Due to this issue me and my husband will have lost $1,375 due to inspections and escrow, I will have lost 2 vacation days, and we will have no place to stay after may 1st!
Convenient and excellent customer service
This BANK is so ME ...open late on SATURDAY.....LUV IT !!!
Td Bank is a US Bank based in Spartanburg, South Carolina. Td Bank is located at 340 E Main St, Spartanburg, SC 29302, USA.
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