Home Equity Lending Checklist

Your online application will be processed more quickly if you provide the following information to your local branch on the first business day following your application:

Deed – Copy of recorded deed to the subject property
Pay stub – Most current pay stub
Tax Returns – Last 2 years with all schedules (if you are self-employed)
Verification of any additional income not shown on Tax returns
Trust Agreement (if applicable)
Tax Assessment
Mortgage Statement – most recent statement with outstanding balance
Listing of payoffs for debt consolidation

Information required at or prior to loan closing:

Insurance binder or policy showing sufficient coverage for all outstanding liens or maximum coverage allowed. For current flood insurance policies, a copy of the policy declaration pages showing effective dates, property address, the bank listed as mortgagee and amount of coverage. If flood insurance is required for the first time, a copy of a paid receipt for the first year's premium must accompany the insurance application.
Payoffs – amount, payee name, address, account numbers
Customer photo identification – driver's license, state picture ID, U.S. military ID or U.S. passport are acceptable.

An Appraisal or Broker's Opinion with an interior inspection of the property may be required. If so, please let us know when the appraiser or broker can reach you to set up an appointment. Your loan closing will occur in the TD Banknorth branch of your choice.

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