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Originally Posted by Kobatuzzied
Well I know TD uses inhouse lawyers so there were no legal fees but they charged me an appraisal fee. I switched to Scotia earlier this year who waived the appraisal fee but charged me the legal fees.
I just want a Heloc that is prime -.5% You work in a bank don't your Albert? Set me up! hehe
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You can call ATB Financial at 1-888-404-4646. M-F 8:30am to 7:00pm and Saturday from 8am-5pm. Anyone that answers the line can assist you right over the phone. That is the number to the loans and investments department. They'll ask some probing questions and may proceed with an application depending on certian things (eg. credit history, debt to income ratio, etc). You will eventually need to come into a branch when/if you're approved, but all the initial stuff can be done right over the phone. Ask about the HELOC promotion specifically. They may not give it to you if you don't mention it. So, MENTION IT!
PS: DON'T ask for me. I just got back from California and I'm behind on alot of things. There's nothing extra I could do for you anyway. You still have to be within ATB's policies and guidelines. I have no authority to override anything. My hands are tied. Sorry bro.