Hassle-free homebuying

Close on time—guaranteed

Couple and realtor looking at a home

Ready to get started?

Our home loan experts will help you find the right solution for your unique situation. We can also help you get prequalified so you can make an offer on a home when you’re ready.

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Terms and conditions

$500 on-time buyer discount. Offer available for select new mortgages; not available for refinancing. 
At closing, you will receive a $500 lender credit on your Closing Disclosure to be applied against TCF’s loan origination charges if you qualify.

    To qualify, you must:
  • Purchase a property located in Arizona, Colorado, Illinois, Michigan, Minnesota, North Dakota, South Dakota or Wisconsin.
  • For new mortgages, provide a signed purchase agreement for the property to TCF.
  • Sign all of the disclosures in the disclosure package that require a signature and return them to TCF within seven (7) calendar days after TCF receives the purchase agreement.
  • This offer is not available for mortgage revenue bond programs, bank-owned properties, short sales, jumbo loans, non-warrantable condos or new construction loans.
On-time closing guarantee. Offer available for new mortgages; not available for refinancing.
If you qualify for the $500 lender credit and your closing is delayed because of the actions or inactions of TCF, we will waive your lender fees up to 1% of your loan amount.

    The following conditions apply:
  • The closing date specified in the purchase agreement may not be less than thirty (30) calendar days after the date TCF receives the purchase agreement. During the processing of your loan, you may not change the closing date to an earlier date than the closing date specified in the purchase agreement. 
  • You may not change your loan product or program after you lock in the interest rate and loan terms for your loan and sign a lock-in agreement.
  • If TCF requests additional documents during the processing of your loan, you must return them to TCF at least ten (10) calendar days before the closing date.
  • You must satisfy all loan program requirements and conditions for loan approval.
  • TCF must receive an appraisal acceptable to TCF in its sole discretion at least ten (10) calendar days prior to closing. Any repairs or other work specified in the appraisal must be completed at least ten (10) calendar days prior to closing.
  • The appraised value of the property must be greater than or equal to the sales price specified in the purchase agreement.
  • TCF must receive a title commitment acceptable to TCF in its sole discretion at least ten (10) calendar days before the closing date.
  • If your purchase agreement is contingent on the sale of your current home, the closing and funding for the sale of your current home must be on or prior to the closing date for your new home.

All loans are subject to credit approval.

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