|By PR Newswire||
|April 21, 2014 09:34 AM EDT||
CHERRY HILL, N.J., April 21, 2014 /PRNewswire/ -- TD Bank, America's Most Convenient Bank®, has updated its popular Right Step mortgage program. Right Step provides qualified home buyers with an alternative to Federal Housing Administration (FHA) backed loan products. The program features a low three percent down payment option and the potential for significant savings on a borrower's monthly payment with no private mortgage insurance (PMI) requirement. Right Step also includes simplified underwriting and appraisal processes for a smooth and efficient approval process.
In addition, the new Right Step program also eliminates the previous version's median income requirements making more borrowers eligible to take advantage of the updated program. Previously, only home buyers in TD Bank's Maine to Florida footprint who made up to 80% of the median area income as determined by the U.S. Department of Housing and Urban Development (HUD) were eligible for Right Step. With the updated Right Step program, non-low to moderate income buyers can participate in the program if the selected purchase property is located in an area that is defined as low to moderate income.
"With the updated program requirements, Right Step will allow borrowers to get more house for their money by eliminating the cost of private mortgage insurance from their monthly mortgage payment," said Michael Copley, Executive Vice President, Retail Lending, TD Bank. "Lenders today need to evaluate each customer on an individual basis and offer a loan option that best meets their needs. At TD, we understand that the financial situation of every borrower is unique, and because of the strength and stability in our own lending practices, we're able to offer financing to low to moderate income or first time buyers who may not have built up equity in a previous property or those who do not have the funds to put 20 percent down."
TD Bank offers competitive rates on numerous mortgage products including conventional, jumbo, adjustable rate and FHA loans. Customers can apply for a TD Bank home loan when and where it's convenient for them – in person at a TD Bank Store, through their local Mortgage Loan Officer, by phone at 800-822-6761 or online at http://tdbank.mortgagewebcenter.com.
To learn more about TD Bank, America's Most Convenient Bank, stop by a store, or visit us at www.tdbank.com. For more information on home financing and how to have a positive home buying experience visit www.tdbank.com/mortgageserviceindex.
About TD Bank, America's Most Convenient Bank
TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US.
TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com.
SOURCE TD Bank
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