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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

On-time closing guarantee terms and conditions
The on-time closing guarantee applies to all purchase transactions except State and Community Housing and Finance Agency loan programs and USDA loans.

    To qualify for the on-time closing guarantee, please be aware that the following key terms and conditions apply:
  • Closing date: The closing date specified in the purchase agreement must be at least thirty (30) calendar days after the date TCF Home Loans receives the fully executed purchase agreement free of any inspection or other contingency.
  • Complete application: You must provide all information and documents requested by TCF Home Loans that are required to complete your loan application within seven (7) calendar days of TCF Home Loans’ receipt of the fully executed purchase agreement.
  • Loan approval conditions: You must satisfy all loan program requirements and conditions for loan approval within ten (10) calendar days prior to closing. Conditions include, but are not limited to:
    • Credit review (including any conditional approvals or suspended applications)
    • Appraisals: TCF Home Loans must receive an appraisal acceptable to TCF Home Loans in its sole discretion 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. Any repairs or other work specified in the appraisal must be completed at least ten (10) calendar days prior to closing.
    • Title commitments: TCF Home Loans must receive a title commitment acceptable to TCF Home Loans in its sole discretion at least ten (10) calendar days before the closing date.
  • Prior to close conditions: All final prior to close conditions must be received by TCF Home Loans within five (5) calendar days prior to closing.
  • Additional documents: If TCF Home Loans requests additional documents during the processing of your loan, you must return them to TCF Home Loans at least ten (10) calendar days before the closing date.

All loans are subject to credit approval.

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