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We offer a variety of loan application options, including a Quick Application, a Standard Application, and a 5 Step Application. Click here to get started!

MEET OUR TEAM

Our experienced professionals offer superior quality support throughout the entire experience. Contact us today and let us go to work for you!

GET A QUOTE

Here at TD Finance LLC, we have the right loan program for you. Whether you are looking for Purchase, Refinance, or Specialized Loans, we can do it!

Loan Programs

FHA

  • Insured by the Federal Housing Administration, FHA loans are best for first-time home buyers and those who less than perfect credit looking to qualify for a mortgage.

  • Credit score 580
  • Low down payments.
  • Primary property
  • 1-4 units
  • Notes: Full doc

USDA

  • A USDA home loan is a competitively priced mortgage option that helps to make purchasing a home more affordable for low-income individuals living in designated rural areas. 

  • 640+ FICO
  • Low down payments.
  • Low interest rate
  • Primary residence located in a qualified rural area.
  • Notes: Full doc

VA

  • VA loans help active service members, veterans, and their surviving spouses become homeowners. They provide up to 100% financing on the value of a home. They are backed by the federal government.

  • 620+ FICO
  • Low down payments.
  • Lower interest rates
  • You can refinance your home up to 100% of the value of your home.
  • Notes: Primary resident. only

Conventional

  • Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac.

  • 620+ FICO
  • Low down payments.
  • Primary or Investment properties
  • Loan amounts up to $2M
  • Notes: 1 or 2 years income tax required

Bank Statement

  • This loan is perfect for self-employed borrowers. It's allowing qualified borrowers to be approved by providing personal or business bank statements.

  • 640+ FICO
  • Easy monthly payments
  • Loan amounts up to $3M
  • No income tax or W2 required
  • Notes: First time homebuyers not permitted on investment properties.

NINA

  • NINA was designed to fill the void and address the issues limiting prime, credit worthy borrowers’ access to credit through common sense underwriting. Credit Underwritten Based on LTV, FICO, and Liquidity.

  • 640+ FICO
  • Easy monthly payments
  • Primary residence or second homes
  • Income documentation not required
  • Notes: reserves required

INVESTOR FLEX

  • This is perfect for investors looking to expand their real estate portfolio. It allows investors to use the market rent of the property to qualify.

  • 640+ FICO
  • Easy monthly payments
  • Buy up to 20 properties
  • Loan amounts up to $2M
  • Notes: No income tax required

Refinance

  • This loan is perfect for self-employed borrowers. It's allowing qualified borrowers to be approved by providing personal or business bank statements.

  • 580 FHA - 620 Conventional
  • Easy monthly payments
  • All loan type
  • Loan amounts up to $2M
  • Notes: Full or no doc

Jumbo

  • Jumbo loan is for home purchases that exceed the conforming limit set by the Federal Housing Finance Agency. The product is for borrower who do not qualify for traditional financing.

  • 680+ FICO and up to 45% DTI
  • Low down payments.
  • Loan amounts up to $3M
  • Eligible on primary, second and investment
  • Notes: Full Doc

What Our Customers Say About Us


We care what our customers think of us and so should you. We are partners in your business and your success is ours.

I would like to recognize Gerald Saintilma for a work well done during the process of buying a house. He was an exceptional mortgage broker.

He was very professional and well explainable. He kept me advised every step of the mortgage process.

His manner was always helpful and he was always available to answer every question I had. I strongly recommend Gerald to my family and friends in the future and I will use him the next time I require new financing.

He is remarkable and a five-star broker, and any organization should be proud to have him working for them.

You are appreciated!

Thanks again!

Marieyolande Bazelais

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Mr. Gerald was a God-sent to my family. We had very limited time to close on our house or we would be homeless. Mr. Gerald was very proactive, resourceful, and patience and all sold out to get us the best deal to close on our house. As a first time home buyer, he made the process very easy. Mr. Gerald is very knowledgeable and reliable. I highly recommend him to anyone especially if you are a first-time home buyer.

Blessing.C

I have moved to my new home, and the children are delighted with their new rooms and their spacious backyard. This place is everything i dreamed of and cannot thank you enough for helping me find it. I also appreciated the time you took to understand my needs and preferences.
Thank you Mr Gerald, I would definitely recommend you to anyone.

Myrline Oscar

Mwen telman satisfè de travail Mr. Gerald ban mwen an, se extraordinaire. Mwen te achte premye kay mwen avek yon blan ,dezyieme on blan, ebien nan twazyèm nan mwen rancontre Mr. Gerald mwen tou rete la. Tout lòt kay map gen poum achte ou refinance li pap lòt moun ke mesye Gerald 100000000 merci.

Claudia Destine

I'm sorry, ma'am, since you don't have two years of work experience, you're not qualified. Wait another year to apply. I still remember this disappointing answer from a Morgage broker but fortunately I contacted Mr. Saintilma to give me some ideas. I was surprised to see how eagerly he took my case to heart as if he saw in me a person even overqualified. I didn't tell him anything about the previous agent's answer just to try to see how far he could go. Today thanks to his competence in his field and especially his determination to give results I had to contact this previous agent by sending him my closing documents. He received a cold shower so surprised but could only say congratulations. Mr. Saintilma is very meticulous, methodical and especially excellent in Morgage. I recommend him for sure.

Marie Kettely Peigne Pierre

Mwen te kontan travay avek mesye Gerald mwen pa regret yon jou nan lavi m mwen kapap temwagne gen bon ayitien toujou menm si gen moun ki toujou di pa fè ayitien konfyans mwen baw 100/100 pou sevis ou ofri nan merci anko.

Stefanie Paul

Mr. Gerald is a mix of professionalism and intelligence in what he does. After consulting with several Morgage Brokers he is the one who convinced me to go through the process of buying my home. The experience was rewarding with him and thanks to him I am a homeowner today. He is more than 5 stars. I highly recommend him.

Marie Kettely P.Peigne

Gerald is an exemplary knowledgeable customer oriented professional Mortage loan officer that I was privileged to have with the refinancing of my home. He worked tirelessly all hours to facilitate the closing within a very short period of time. Gerald meticulously communicated every details to ensure that I understood and made the right decision that fitted my needs. I will highly recommend him to all my friends and family.
Mr. Saintilma, you're a rock star!!!

Tryphose Simplice

It has been a real pleasure working with Mr. Gerald. I had been with many different ones before him, but I had to fire them because they were unable and incompetent to help me buy my house. However, when I meet Mr. Gerald, he made the difference. At first I didn’t interested in
hiring him because of my past experiences with the previous ones. But, astonishingly this one was different. Mr. Gerald helps me get my house with stress-free. He is a fantastic mortgage loan officer and is extremely responsive. He also gives good advice and has extensive knowledge. He helps me hugely and does a wonderful job. He is a superstar, and no other one can be compared to him. I highly recommend him.

Emmanuel Saint Fleur

I typically do not write a review for anything or anyone, but the outstanding service we received from our Loan Officer Gerald and his team call for an exception. Mr. Gerald put quality over quantity when it came to helping my family and I secure a home. What I mean by quality is we were not just a “number” to him, he genuinely cared to get to know us and familiarize himself with what we were comfortable with when purchasing the home. We are grateful to him and his team specially Mrs.Gina & Mrs. Daffney.
Looking forward to buying another home with you all again in the future.

Colbert P.

Mte kontan travay avek ou , ou te fè yon good job. Yo konn si haïtien pa serye min ou proven gen anpil bon haïtien ki existe toujou . 1000 merci .

Milienne Charles Joseph

Surgeon Gerald,

His name speaks for its self. Super grateful for Gerald intervening helping my clients to the finish line. If your in doubt , let the surgeon do his job and stay in faith! You got this!

Yvonne Reyes

I have 3 words to describe Gerald: professional ,helpful, and patient. Closing process is stressful as a buyer I needed someone like Gerald to discuss about my anxiety.

Sherley Luberisse

Thank you Mr Gerald for your kindness and support.Thanks to you and your staff we get a beautiful house, everybody likes it.We pray God daily to have such resources like you in our community.May God guides your path and blessing you.
Thank you again for your leadership.

Edrice Jean Baptiste

More than 5 stars, Gerald is patient, attentive and care about his client he will work you through the entire process and make sure you understand everything, I will recommend him to everyone. 🌟 🌟 🌟 🌟 🌟 🌟 🌟

Evalda Jean

I worked with Gerald on the purchase of my first home. The level of care, attention to detail, and professionalism demonstrated by Gerald far surpassed my expectations. As a first-time home buyer, I really appreciated the honesty and transparency throughout the mortgage process. He stays on top of every detail and there for you every step of the way to answer any questions and address any concerns. I highly recommend Gerald and his team.

Marie Destine

Mr. Gerald is the best MLO I’ve work with. Very professional and very knowledgeable.

Sandy Gedeon

Mr. Gerald has always explained things very well,He will go over & over it if you are having trouble understanding any part of the loan process.

"Highly Professional,Knowledgeable and Responsive.
I will recommend him to my family and my friends!

Merçi monsieur Gerald.

Judith.A

Gerald was very helpful and attentive. He made the process very easy and got things done in a timely manner..

Sonia Jacquet

Gerald was wonderful to work with. He worked after hours just to meet deadlines. He has helped my husband and I with purchasing and closing our first home! We look forward to working with him again!!

Bibi samad

Claude was very professional and highly knowledgeable! He did a wonderful job explaining the loan process from start to finish. He made the process easy for us and answered all of our questions and concerns along the way. I highly recommend Claude. He definitely made buying our first home possible!

Preslet Z.