unusually generous lenders

[Paul M.]

I wanted to share what I've seen in my research/experience regarding mortgages and HELOCs.

TDBank-charges the same interest rate for investor properties (1-4 unit) as they do for primary residences. I was really surprised to discover this a couple years ago thought it was a mistake, but I've since refinanced all my mortgages into them. They require 41% DTI (instead of usual 45%) 75%LTV. Only in certain sates (check their website). I understand they don't resell their mortgages, but that was second hand info, I'm not sure how I would tell? They probably don't because this doesn't match FNMA guidelines?

100% LTV HELOC primary residence Key Bank-their website says they offer them. I didn't know anyone was doing these anymore? Anyone done this recently?

90% LTV HELOCS on investment property-TD Bank advertises this (technically 89.9% is advertised)

90% LTV HELOC on primary residence-US Bank advertises this, obviously TD Bank would do this too.

Otherwise, the only banks I've seen offering 90%LTV HELOCs on primary residences are local credit unions in my area (Direct Federal and MIT Credit Union). I might have seen banks I've never heard of offering high LTV HELOCs, but I get nervous there might be something sketchy.

Anyone seen any other such offerings, post housing recession?