Is "TF Mortgage Services" fraud?

The Guide to Understanding Why You Were Charged By “TF Mortgage Services” and What To Do About It (tfhomeloans.com)

Published

August 26, 2025

Updated

August 29, 2025

What is "TF Mortgage Services"?

TFHomeLoans provides a range of mortgage services, including home loan applications and refinancing options. They offer simple subscription plans for ongoing support, which might be why you see charges related to them on your billing statement. Basically, if you're looking to buy a home or need help with your mortgage, they’re here to make the process easier.

TF: This could refer to the specific entity or branch of the company involved in the transaction.
Mortgage Services: Indicates the type of business; in this case, it suggests that the transaction is related to services for mortgages, such as loans for buying a home.

Verify With Receipt

The best way to tell if this charge is fraudulent is to find the receipt. You may have an electronic copy of the receipt, which Chargeback can help you find by searching your email accounts.

Chargeback helps you identify unwanted subscriptions and charges, and help you fight them to get your money back.

Why do people get charges like this from tfhomeloans?

TF Home Loans typically offers competitive pricing based on various factors including credit score, down payment, loan type, and market conditions. The specifics can vary widely, often quoted in the form of interest rates and closing costs which users report as ranging from 2.5% to 4.5% APR depending on their financial profile.

Loan Type Variability: Charges differ significantly between FHA, VA, and conventional loans.
Credit Score Impact: Higher credit scores generally yield lower interest rates.
Service Fees: Some users note additional processing fees or application fees that can add to the cost.
Rate Locks: Charges apply for locking in a rate for an extended period.
Points or Buydowns: Users mention the option to pay for points upfront to lower their interest rates.
Market Conditions: Prices fluctuate based on overall economic factors and lender's liquidity.
Down Payment Size: Some reports indicate that a higher down payment can lead to lower rates.
Loan Amount: The total size of the loan also influences the pricing structure.
Miscellaneous Costs: Appraisal, title insurance, and other closing costs often impact overall pricing.

If I see this charge, what should I do?

if you see this charge and aren’t expecting it, you have various options.

First, try to contact the tfhomeloans.com via one of the support methods we listed below and inquire about the charge. See if they will refund it and cancel any associated subscriptions you might have.

If the tfhomeloans.com refused to issue a refund or you cannot get in touch with the company, call your bank or financial institution and open a credit card dispute. Record screenshot evidence from your prior conversations with tfhomeloans.com, and use that to open your credit card dispute. Tell your bank or credit card issuer that you do not recognize the charge and do not recall signing up for the service.

If this sounds like too much of a hassle, you can have Chargeback do it for you.

tfhomeloans Customer Service Info

If you need assistance, here's how you can get in touch with tfhomeloans's support team.

Phone

(877) 771-0036

support@tfhomeloans.com

Site

https://www.tfhomeloans.com/contact/

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What other ways do charges from tfhomeloans show up?

TFHOMELNS TF HOME LOANS TFH Loans TF Mortgage TF Home Loan Payments TF Home Loan Corp TF Home Loan Services tfhomeloans.com TFHL T.F. Home Loans

The Easiest Way to Cancel tfhomeloans

If you're frustrated trying to cancel your subscription, membership, or bill from tfhomeloans—or if you didn't even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we'll take care of the rest.

Start reclaiming your money today with Chargeback

Submit a refund request with Chargeback

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