Chad Moore, AVP, from TD Bank is a lender and Product Relationship Manager. Chad is a certified TDU Instructor and has been involved in mortgage sales for 15 years. He discussed TD Bank’s various home mortgage programs and the process of applying. The bank established a process to assist and advise customers on the importance of pre-qualification so as not to over reach on a home versus what they qualify for. Chad also educated us on the different types of mortgages such as USDA, FHA and VA, fixed and adjustable mortgages. An interesting and informative presentation.