I've been a customer of TD bank for about 2 years. Lately I had an experience with the Mortgage, Home equity loan, Home equity line department. I found the bank employees confused, inexperienced, and totally incompetent. I will be stunned to hear that those people in the bank graduated high school or got a college/University Degree. I found Bank Employees asked repeatedly same questions again and again, not answering phone calls, work extremely slow, and completely lack of knowledge in the fields they are working The Us Real Estate and finance. I recommend to any customer looking for a mortgage, home equity loan, home equity line run away from this bank unless you have lots of patience and willing to work with very unprofessional and incompetent people.