TD Bank Mortgage Review 2024

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"TD Bank Mortgage Review 2024","alternativeHeadline":"TD Bank Mortgage Review 2024","image":{"@type":"ImageObject","url":"https://i.insider.com/636c17b5951bdc00182d6422?width=1200&format=jpeg","width":1200,"height":900,"caption":"TD Bank has around 1,100 branches and 2,600 ATMs along the East Coast."},"name":"TD Bank Mortgage Review 2024","datePublished":"2024-07-20T15:54:45Z","dateModified":"2024-07-20T15:54:45Z","description":"Check out our review of TD Bank's mortgage services in 2024. Learn about loan offerings, rates, and customer service to see if this lender meets your needs.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.TD Bank is a good lender for borrowers who need affordable mortgage options, thanks to its Right Step and Home Access mortgages, which have flexible credit requirements and allow down payments as low as 3%. Home Access mortgages also come with a $10,000 lender credit. But TD Bank mortgages aren't available nationwide — this bank only offers mortgages in 15 states and Washington, DC.6203%Conforming, FHA, VA, construction, jumbo, Medical Professional, TD Right Step, TD Home Access, home equity loan, HELOC TD Bank is a bank that offers a variety of financial services. It lends mortgages in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, DC.TD's Medical Professional mortgage is a type of physician loan, and is aimed at doctors, dentists, residents, or fellows. Physician loans make qualifying for a loan easier for medical professionals, who typically have high debt-to-income ratios (DTI). TD Bank's jumbo loans are available as either fixed-rate or adjustable-rate mortgages. It also offers the following types of government-backed loans:TD has a couple of mortgage programs for borrowers who are struggling to afford a down payment.Its Right Step mortgage has flexible credit guidelines, making it easier to qualify for than a traditional mortgage. It accepts borrowers who meet income limits or live in a low-to-moderate income census tract. You won't need to pay for private mortgage insurance on this loan, even with a down payment of just 3%.TD's Home Access mortgage is only available in certain areas to those who meet income limits. It offers a $10,000 lender credit, which can be used toward a down payment or closing costs and doesn't need to be repaid. This mortgage also has flexible credit guidelines and requires no mortgage insurance. TD Bank offers both home equity loans and home equity lines of credit (HELOCs).TD Bank's mortgage rates have been around average compared with other lenders, according to Business Insider's review of the Home Mortgage Disclosure Act data.The bank's rate calculator is one of the better rate tools we've seen a mortgage lender offer. You can use the calculator to get an estimate of your rate, monthly payment, and closing costs for multiple loan types.TD Bank doesn't disclose its lender fees online. A spokesperson told Business Insider that its fees vary depending on the type of loan you get, how much you borrow, and other factors.In our review of HMDA data, we found that the average conventional loan borrower getting a mortgage with TD Bank paid $2,374 in origination charges in 2022. This is on the low end compared to other mortgage lenders.TD Bank offers a strong variety of loan types that will meet most borrowers' needs. However, it doesn't have USDA loans.We think TD Bank is a highly affordable lender thanks to its low down payment and down payment assistance options, including the Right Step and Home Access programs. On its Zillow lender page, TD Bank has a 4.91 rating based on over 700 customer reviews. TD Bank has an A+ rating from the Better Business Bureau. A strong BBB grade indicates a company advertises honestly, responds effectively to customer complaints, and is transparent about business practices.Choose from a variety of mortgage options, including construction loans and mortgages for physiciansTD's Right Step and Home Access mortgages allow flexible credit and low down paymentsEasily see customized rates and closing costsTD's range of mortgage options make it a good choice for many different borrowers. It's a particularly good lender for first-time homebuyers. Both Right Step and Home Access offer flexible underwriting, meaning you could potentially qualify even if some areas of your finances aren't ideal (though you will need a credit score of at least 620).The Home Access program also offers a $10,000 credit to cover your down payment or closing costs, potentially removing a huge barrier to homeownership for eligible borrowers. The biggest drawback of TD Bank's mortgage offerings is that they're only available in 15 east coast states and Washington, DC.You'll need a 620 credit score and a minimum down payment of 3% to get a conforming mortgage with this lender. Other loan types may have different requirements. You can start an application online or over the phone. You can also use the search tool on the TD website to find a loan officer near you and connect with them directly. Busines Insider looked at positive and negative customer reviews, online forums, BBB complaints, and other sources to understand what borrowers think about TD Bank's mortgage process. Overall, previous customers appear to have had positive experiences with the bank's mortgage lending arm. In online reviews, previous TD borrowers said that the loan officers they worked with were knowledgeable, easy to get ahold of, and prompt.Your loan officer can make or break your borrowing experience, particularly if you're buying a home. The homebuying process comes with a very important deadline (your closing date) and having a competent loan officer helps ensure you don't miss that deadline. You want someone who answers the phone or responds quickly to texts and stays of top of the process to make sure you're on track to close on time. Like TD Bank, Chase also offers an affordable mortgage product called its DreaMaker mortgage, which is available to lower-income borrowers and can be combined with Chase's Homebuyer Grant. With the grant, eligible borrowers can get up to $7,500 in closing cost assistance. TD Bank's Home Access mortgage offers a similar $10,000 lender credit. Both programs have flexible credit guidelines. Chase is one of Business Insider's best mortgage lenders. Chase is more widely available than TD Bank, though it has a smaller range of loan options. You can get a Chase mortgage in all 50 states. Chase Mortgage ReviewBank of America also offers an affordable mortgage product, called the Community Affordable Loan Solution. This mortgage has no minimum credit score, and instead lets borrowers qualify using non-traditional credit such as their rent or utility payment history. It also requires no down payment or closing costs.Bank of America's Community Affordable Loan Solution and TD Bank's Home Access mortgage are only available in certain areas.Bank of America lends mortgages in all 50 states.Bank of America Mortgage ReviewTD Bank offers conventional and government-backed mortgages, home equity loans and HELOCs, and a couple of specialty affordable mortgages for lower-income borrowers. TD Bank has strong online customer reviews and a variety of mortgage options, including affordable loan programs. But whether it's a good lender for you depends on your needs and financial situation.You can apply for a mortgage with TD Bank online, over the phone, or by working directly with a local loan officer. Yes, TD Bank offers FHA loans. TD Bank's mortgage rates are around average compared to other mortgage lenders.Based on the online reviews we looked at, previous borrowers like TD Bank's customer service, and frequently commented on how smoothly their loan officers made the homebuying process go.TD Bank offers competitive rates and low fees compared to other mortgage lenders. It also offers a strong variety of loan types, making it a good choice for a range of borrowers. For our review of TD Bank, we used our methodology for reviewing mortgage lenders.We look at four factors — loan types, affordability, customer satisfaction, and trustworthiness — and give each a rating between 1 and 5, then we average these individual ratings for the overall lender rating. Lenders get higher ratings if they offer a large number of loan types with affordable features, have positive customer reviews, and don't have any recent public controversies.","articleSection":"Personal Finance, Loans, Mortgages","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What mortgage products does TD Bank offer?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">TD Bank offers conventional and government-backed mortgages, home equity loans and HELOCs, and a couple of specialty affordable mortgages for lower-income borrowers. </p>"}},{"@type":"Question","name":"Is TD Bank a good mortgage lender?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">TD Bank has strong online customer reviews and a variety of mortgage options, including affordable loan programs. 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It also offers a strong variety of loan types, making it a good choice for a range of borrowers. </p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"ItemList","numberOfItems":1,"itemListElement":[{"@context":"http://schema.org","@type":"ListItem","position":1,"item":{"@context":"http://schema.org","@type":"Product","name":"TD Bank Mortgages","image":"https://i.insider.com/620d53a9da5ac00018fea0df?width=400","brand":"TD Bank","url":"https://www.businessinsider.com/personal-finance/mortgages/td-bank-mortgage-review#633c76df63de0100184944eb","review":[{"@type":"Review","author":{"@type":"Person","name":"Molly Grace","sameAs":"https://www.businessinsider.com/author/molly-grace"},"datePublished":"2024-07-20T15:54:45Z","reviewRating":[{"@type":"Rating","bestRating":5,"ratingValue":4.73,"worstRating":0}]}]}}]} </script> <script type="application/ld+json"> 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data-track-click="{"product_field":"Mortgages","element_name":"breadcrumbs","event":"navigation"}" > Mortgages </a> </span> </div> <h1 class="post-headline ">TD Bank Mortgage Review 2024</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Molly Grace" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/molly-grace" >Molly Grace</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/laura-grace-tarpley" >Laura Grace Tarpley</a> </div> <time class="byline-timestamp 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<section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate mortgages</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>TD Bank is a good lender for borrowers who need affordable mortgage options, thanks to its Right Step and Home Access mortgages, which have flexible credit requirements and allow down payments as low as 3%. Home Access mortgages also come with a $10,000 lender credit. But TD Bank mortgages aren't available nationwide — this bank only offers mortgages in 15 states and Washington, DC.</p> <div id="td-bank-mortgages" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">TD Bank Mortgages</div> <div class="financial-product-card__cta-container"> </div> <div> <div class="financial-product-card__card-image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/620d53a9da5ac00018fea0df?width=400" alt="TD Bank TD Bank Mortgages"> <noscript> <img src="https://i.insider.com/620d53a9da5ac00018fea0df?width=400" /> </noscript> </div> </div> <div class="financial-product-card__star-container" id="633c76df63de0100184944eb-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8296507685756087"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8296507685756087)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8324570613914313"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8324570613914313)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.21774556803249223"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.21774556803249223)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8523971105806301"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8523971105806301)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7166934436860426"> <stop stop-color="#faa809" offset="73%"></stop> <stop stop-color="white" offset="73%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7166934436860426)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.73<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">620</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Down Payment </strong> </div> <p class="financial-product-card__specs__text headline-regular">3%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Types of Loans Offered </strong> </div> <p class="financial-product-card__specs__text headline-regular">Conforming, FHA, VA, construction, jumbo, Medical Professional, TD Right Step, TD Home Access, home equity loan, HELOC</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="633c76df63de0100184944eb" data-analytics-product-brand="TD Bank" data-analytics-product-name="TD Bank Mortgages" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Wide range of mortgage options</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Offers affordable loan programs with flexible credit requirements</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Easily explore customized rates</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Only available in 15 states and Washington, DC</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Lender fees aren’t listed online</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> </div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Offers mortgages in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, DC.</li> <li class="financial-product-card__product-details__list-item">Minimum credit score and down payment displayed are for conforming mortgages</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="633c76df63de0100184944eb" data-analytics-product-brand="TD Bank" data-analytics-product-name="TD Bank Mortgages" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p> </p><h2 data-toc-label="Overview of TD Bank Mortgages" id="overview-of-td-bank-mortgages" class="toc-anchor">Overview of TD Bank as a Mortgage Provider</h2><p>TD Bank is a bank that offers a variety of financial services. It lends mortgages in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, DC.</p><h2>TD Bank Mortgage Products</h2><h3>Conventional Loans</h3><ul><li><a href="https://www.businessinsider.com/personal-finance/conforming-loans" target="_blank" rel="noopener">Conforming loans</a></li><li><a href="https://www.businessinsider.com/personal-finance/construction-loan" target="_blank" rel="noopener">Construction loans</a></li><li>Medical Professional mortgages</li></ul><p>TD's Medical Professional mortgage is a type of <a href="https://www.businessinsider.com/personal-finance/physician-mortgage-loans" target="_blank" rel="noopener" data-analytics-product-module="body_link">physician loan</a>, and is aimed at doctors, dentists, residents, or fellows. Physician loans make qualifying for a loan easier for medical professionals, who typically have high <a href="https://www.businessinsider.com/personal-finance/debt-to-income-ratio" target="_blank" rel="noopener" data-analytics-product-module="body_link">debt-to-income ratios (DTI)</a>. </p><h3>Jumbo Loans</h3><p>TD Bank's <a href="https://www.businessinsider.com/personal-finance/what-is-a-jumbo-loan" target="_blank" rel="noopener" data-analytics-product-module="body_link">jumbo loans</a> are available as either fixed-rate or adjustable-rate mortgages. </p><h3>FHA and VA loans</h3><p>It also offers the following types of <a href="https://www.businessinsider.com/personal-finance/government-home-loans" data-analytics-product-module="body_link" rel="">government-backed loans</a>:</p><ul><li><a href="https://www.businessinsider.com/personal-finance/fha-loan" target="_blank" rel="noopener">FHA loans</a></li><li><a href="https://www.businessinsider.com/personal-finance/va-loans" target="_blank" rel="noopener">VA loans</a></li></ul><h3>TD's Right Step and Home Access Mortgage Programs</h3><p>TD has a couple of mortgage programs for borrowers who are struggling to afford a <a href="https://www.businessinsider.com/personal-finance/how-much-down-payment-for-a-house" data-analytics-product-module="body_link" rel="">down payment</a>.</p><p>Its Right Step mortgage has flexible credit guidelines, making it easier to qualify for than a traditional mortgage. It accepts borrowers who meet income limits or live in a low-to-moderate income census tract. You won't need to pay for <a href="https://www.businessinsider.com/personal-finance/pmi-private-mortgage-insurance" data-analytics-product-module="body_link" rel="">private mortgage insurance</a> on this loan, even with a down payment of just 3%.</p><p>TD's Home Access mortgage is only available in certain areas to those who meet income limits. It offers a $10,000 lender credit, which can be used toward a down payment or closing costs and doesn't need to be repaid. This mortgage also has flexible credit guidelines and requires no mortgage insurance. </p><h3>Home equity</h3><p>TD Bank offers both <a href="https://www.businessinsider.com/personal-finance/home-equity-loan-vs-heloc" data-analytics-product-module="body_link" rel="">home equity loans and home equity lines of credit (HELOCs)</a>.</p><h2 data-toc-label="Interest Rates and Fees" id="interest-rates-and-fees" class="toc-anchor">TD Bank Mortgage Interest Rates and Fees</h2><h3>Competitive Rates and Low Fees</h3><p>TD Bank's <a href="https://www.businessinsider.com/personal-finance/average-mortgage-interest-rate" target="_blank" rel="noopener noreferrer" data-stringify-link="https://www.businessinsider.com/personal-finance/average-mortgage-interest-rate" data-sk="tooltip_parent" data-analytics-product-module="body_link">mortgage rates</a> have been around average compared with other lenders, according to Business Insider's review of the <a href="https://ffiec.cfpb.gov/data-browser/" target="_blank" rel="noopener noreferrer" data-stringify-link="https://ffiec.cfpb.gov/data-browser/" data-sk="tooltip_parent" data-analytics-product-module="body_link">Home Mortgage Disclosure Act data</a>.</p><p>The bank's <a href="https://www.td.com/us/en/personal-banking/home-lending/rate-calculator" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">rate calculator</a> is one of the better rate tools we've seen a mortgage lender offer. You can use the calculator to get an estimate of your rate, monthly payment, and closing costs for multiple loan types.</p><p>TD Bank doesn't disclose its lender fees online. A spokesperson told Business Insider that its fees vary depending on the type of loan you get, how much you borrow, and other factors.</p><p>In our review of HMDA data, we found that the average conventional loan borrower getting a mortgage with TD Bank paid $2,374 in origination charges in 2022. This is on the low end compared to other mortgage lenders.</p><h2>TD Bank Mortgage Overall Lender Rating</h2><h3>Loan Types: 4.5 out of 5</h3><p>TD Bank offers a strong variety of loan types that will meet most borrowers' needs. However, it doesn't have <a href="https://www.businessinsider.com/personal-finance/usda-loan" data-analytics-product-module="body_link" rel="">USDA loans</a>.</p><h3>Affordability: 4.5 out of 5</h3><p>We think TD Bank is a highly affordable lender thanks to its low down payment and down payment assistance options, including the Right Step and Home Access programs. </p><h3>Customer Satisfaction: 4.91 out of 5</h3><p>On its <a href="https://www.zillow.com/lender-profile/TD%20Bank/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Zillow lender page</a>, TD Bank has a 4.91 rating based on over 700 customer reviews. </p><h3>Trustworthiness: 5 out of 5</h3><p>TD Bank has an <a href="https://www.bbb.org/us/me/auburn/profile/bank/td-bank-0021-85670" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">A+ rating</a> from the Better Business Bureau. A strong BBB grade indicates a company advertises honestly, responds effectively to customer complaints, and is transparent about business practices.</p><h2>TD Bank Mortgage Pros and Cons</h2><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%;" border="1" class="table-content"><tbody class="table-content-body"><tr><td style="width: 50%;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Pros</strong></td><td style="width: 50%;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Cons</strong></td></tr><tr><td style="width: 50%;" class="headline-regular headline-semibold"><ul><li><p class="headline-regular">Choose from a variety of mortgage options, including construction loans and mortgages for physicians</p></li><li><p class="headline-regular">TD's Right Step and Home Access mortgages allow flexible credit and low down payments</p></li><li><p class="headline-regular">Easily see customized rates and closing costs</p></li></ul></td><td style="width: 50%;" class="headline-regular"><ul><li aria-level="1">TD doesn't lend mortgages in most states</li><li aria-level="1">Lender fees aren't listed online</li></ul></td></tr></tbody></table></div><h3>Advantages of Choosing TD Bank for Mortgage Financing</h3><p>TD's range of mortgage options make it a good choice for many different borrowers. It's a particularly good <a href="https://www.businessinsider.com/personal-finance/best-mortgage-lenders-first-time-buyers" data-analytics-product-module="body_link" rel="">lender for first-time homebuyers</a>. Both Right Step and Home Access offer flexible underwriting, meaning you could potentially qualify even if some areas of your finances aren't ideal (though you will need a credit score of at least 620).</p><p>The Home Access program also offers a $10,000 credit to cover your down payment or closing costs, potentially removing a huge barrier to homeownership for eligible borrowers. </p><h3>Potential Drawbacks</h3><p>The biggest drawback of TD Bank's mortgage offerings is that they're only available in 15 east coast states and Washington, DC.</p><div class="insider-raw-embed" data-type="embed" data-embed-type="raw" id="f03b5305-1c37-44b6-9560-afe3ef06b045"><div class="myFinance-widget" data-campaign="bi-mtgrt-cashoutrefi-multi" data-widget-id="949ce8ea-ccee-498f-8c33-e019c09fd52f"><script async="" type="text/javascript" id="myFinance-widget-script">!function () {function e() {var s = "myFinance-widget-ad-script";if (!document.getElementById(s)) {var e = document.createElement("script"), n = document.getElementById("myFinance-widget-script"), a = t + "widget/myFinance.js";e.id = s, e.type = "text/javascript", e.async = !0, e.src = a, n.parentNode.insertBefore(e, n);}var c = "myFinance-widget-css";if (!document.getElementById(c)) {var d = document.getElementsByTagName("head")[0], i = document.createElement("link");i.id = c, i.rel = "stylesheet", i.type = "text/css", i.href = t + "widget/myFinance.css", i.media = "all", d.appendChild(i)}}var t = "https://static.myfinance.com/";document.attachEvent ? document.attachEvent("onreadystatechange", function () {"complete" === document.readyState && e()}) : document.addEventListener("DOMContentLoaded", e, !1)}();</script></div></div><h2 data-toc-label="Application and Approval Process" id="application-and-approval-process" class="toc-anchor">Application and Approval Process</h2><p>You'll need a 620 <a href="https://www.businessinsider.com/personal-finance/what-credit-score-is-needed-to-buy-a-house" data-analytics-product-module="body_link" rel="">credit score</a> and a minimum down payment of 3% to get a conforming mortgage with this lender. Other loan types may have different requirements. </p><p>You can start an application online or over the phone. You can also use the <a href="https://mlo.td.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">search tool</a> on the TD website to find a loan officer near you and connect with them directly. </p><h2>Customer Service and Support</h2><h3>Customer Service Experiences With TD Bank</h3><p>Busines Insider looked at positive and negative customer reviews, online forums, BBB complaints, and other sources to understand what borrowers think about TD Bank's mortgage process. Overall, previous customers appear to have had positive experiences with the bank's mortgage lending arm. </p><h3>Support Channels and Resources</h3><p>In online reviews, previous TD borrowers said that the loan officers they worked with were knowledgeable, easy to get ahold of, and prompt.</p><p>Your loan officer can make or break your borrowing experience, particularly if you're buying a home. The homebuying process comes with a very important deadline (your closing date) and having a competent loan officer helps ensure you don't miss that deadline. You want someone who answers the phone or responds quickly to texts and stays of top of the process to make sure you're on track to close on time. </p><h2 data-toc-label="Compare TD Bank" id="compare-td-bank" class="toc-anchor">Compare TD Bank to Other Lenders</h2><h3>TD Bank vs. Chase Mortgage</h3><p>Like TD Bank, <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="5f7ca03c514672267009c173" data-analytics-product-brand="Chase" data-analytics-product-name="Chase Mortgage" href="https://secure.money.com/pr/y3e52b9a0330">Chase</a> also offers an affordable mortgage product called its DreaMaker mortgage, which is available to lower-income borrowers and can be combined with Chase's Homebuyer Grant. With the grant, eligible borrowers can get up to $7,500 in closing cost assistance. TD Bank's Home Access mortgage offers a similar $10,000 lender credit. Both programs have flexible credit guidelines. </p><p>Chase is one of Business Insider's <a href="https://www.businessinsider.com/personal-finance/best-mortgage-lenders" data-analytics-product-module="body_link" rel="">best mortgage lenders</a>. Chase is more widely available than TD Bank, though it has a smaller range of loan options. You can get a Chase mortgage in all 50 states. </p><p><a href="https://www.businessinsider.com/personal-finance/chase-mortgage-review" data-analytics-product-module="body_link" rel="">Chase Mortgage Review</a></p><h3>TD Bank vs. Bank of America Mortgage</h3><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="5f7c9f7319bb5e450930a638" data-analytics-product-brand="Bank of America" data-analytics-product-name="Bank of America Mortgage" href="https://secure.money.com/pr/j8ecbc5d2fd8">Bank of America</a> also offers an affordable mortgage product, called the Community Affordable Loan Solution. This mortgage has no minimum credit score, and instead lets borrowers qualify using non-traditional credit such as their rent or utility payment history. It also requires no down payment or closing costs.</p><p>Bank of America's Community Affordable Loan Solution and TD Bank's Home Access mortgage are only available in certain areas.</p><p>Bank of America lends mortgages in all 50 states.</p><p><a href="https://www.businessinsider.com/personal-finance/bank-of-america-mortgage-review" data-analytics-product-module="body_link" rel="">Bank of America Mortgage Review</a></p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">TD Bank Mortgage FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What mortgage products does TD Bank offer? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">TD Bank offers conventional and government-backed mortgages, home equity loans and HELOCs, and a couple of specialty affordable mortgages for lower-income borrowers. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is TD Bank a good mortgage lender? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">TD Bank has strong online customer reviews and a variety of mortgage options, including affordable loan programs. But whether it's a good lender for you depends on your needs and financial situation.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How can I apply for a TD Bank mortgage? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can apply for a mortgage with TD Bank online, over the phone, or by working directly with a local loan officer. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Does TD Bank do FHA loans? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, TD Bank offers FHA loans. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are TD Bank's mortgage rates competitive? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">TD Bank's mortgage rates are around average compared to other mortgage lenders.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the customer service experience like with TD Bank? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Based on the online reviews we looked at, previous borrowers like TD Bank's customer service, and frequently commented on how smoothly their loan officers made the homebuying process go.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How does TD Bank compare to other mortgage lenders? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">TD Bank offers competitive rates and low fees compared to other mortgage lenders. It also offers a strong variety of loan types, making it a good choice for a range of borrowers. </p> </div> </div> </div><h3 id="why-you-should-trust-us" data-toc-label="Why You Should Trust Us" class="toc-anchor">Why You Should Trust Us: How We Reviewed TD Bank Mortgage</h3><p>For our review of TD Bank, we used <a href="https://www.businessinsider.com/personal-finance/how-we-evaluate-mortgage-lenders" rel="" data-analytics-product-module="body_link" data-analytics-post-depth="100" data-mrf-link="https://www.businessinsider.com/personal-finance/how-we-evaluate-mortgage-lenders">our methodology for reviewing mortgage lenders</a>.</p><p>We look at four factors — loan types, affordability, customer satisfaction, and trustworthiness — and give each a rating between 1 and 5, then we average these individual ratings for the overall lender rating. Lenders get higher ratings if they offer a large number of loan types with affordable features, have positive customer reviews, and don't have any recent public controversies.</p><div class="ca-widget" data-token="x13d55880b64" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="molly-grace"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Headshot of Molly Grace"> <noscript> <img src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Molly Grace</div> </a> <div class="post-author_title headline-regular">Mortgage Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Molly Grace is a mortgage reporter for Business Insider with over six years of experience writing about mortgages and homeownership. </span><span><span class="headline-semibold">Experience</span></span><span>In addition to her daily mortgage rate coverage, Molly also writes mortgage lender reviews and educational articles on homebuying and analyzes data and economic trends to give readers actionable and up-to-date information about the housing market.</span><span>She also tracks affordable mortgage and down payment assistance programs offered throughout the country to keep her readers informed of homebuyer programs available to them. </span><span>Before Business Insider, Molly was a blog writer for Rocket Companies and helped to create Rocket Mortgage’s Shorty Award-winning podcast <em>Home. Made</em>.</span><span>Molly is passionate about covering personal finance topics with empathy. Her goal is to make homebuying knowledge more accessible, especially for groups that may think homeownership is out of reach. </span><span><span class="headline-semibold">Expertise</span></span><span>Molly is an expert in the following topics:</span><ul><li><span>Mortgages and mortgage lenders</span></li><li><span>Home equity</span></li><li><span>The housing market</span></li><li><span>The economy and the forces that impact mortgage rates</span></li><li><span>Budgeting and saving</span></li><li><span>Credit</span></li><li><span>Insurance</span></li><li><span>Retirement savings</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Molly earned a bachelor's degree in journalism from Indiana University. </span><span>She is based in Michigan and has a dog and two cats. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder 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