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HARP is a federal program to help responsible, underwater and near underwater homeowners refinance their mortgages
to a lower rate. Through HARP, homeowners that have loans owned by Fannie Mae or Freddie Mac on or before 5/31/09, and
have been current on their mortgage payments, can refinance at today’s low rates.
Savings from HARP average $355 per month!* We want to help you reduce your payments. No equity, no private mortgage insurance, and no credit minimums are required to take advantage of this program.
loanDepot licensed mortgage bankers will review your unique situation to see if your loan qualifies. Your personal loan consultant will help you every step of the way towards saving money.
Talking to a licensed mortgage banker is an important step to getting the right
mortgage loan. Everybody has different loan needs and a mortgage banker knows which
questions to ask in order to best match you with the right loan and monthly payment.
Since we have a strict No Steering policy, you can be assured that
the loan option suggested to you will fit your needs.
The mortgage banker will also explain all the steps–from getting started, to locking
in your low rate, to closing your loan fast, in little as 30 days. Because we are
a direct lender, if you have any questions during the loan process, you will have
one direct number enabling you to get quick answers straight from the source.
I just had my loan approved today and I am extremely happy with the service I received during the entire process. Both the
Account manager (Steve) and Mortgage Banker (Jessie) were very helpful and returned my calls and emails promptly. I am very happy
I chose LoanDepot even though I did not know much about them in the past. I will definitely recommend LoanDepot to my friends and colleagues.
By submitting this form, I authorize loanDepot to contact me at the phone number provided, even if that number is ported to a wireless line, in order to further pursue my mortgage loan application. I understand that loanDepot may contact me through the use of an automatic telephone dialing system.
Talk to a licensed mortgage banker who can answer all your questions, quote rates and find your best loan.
Apply with our online application. View and lock in your rate online, all from the convenience of your home
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* Rate displayed are subject to change and assumes that you are buying or refinancing
an owner-occupied single family home, all borrowers have credit scores of 740 or
higher, debt-to-income ratios of 35% or lower, asset and reserve requirements are
met, and your property has a loan-to-value of 80% or less. The Annual Percentage
Rate (APR) is based on a loan amount of $200,000 and may include up to 3 points.
(Points include any origination, discount and lender fees.) On adjustable-rate loans,
interest rates are subject to potential increases over the life of the loan, once
the initial fixed-rate period expires.Please contact one of our Mortgage Bankers
at 1-888-337-6888 for a customized rate and payment quote.
**Refinancing within the 60 month period is conditional on whether the program type
or applicable state/federal laws contain “seasoning” restrictions that would make
refinancing during a specific period illegal. For example, waiting until after the
12th month, but before the 60th month may be required. Your loan approval for the
future refinance is not guaranteed. You must fully qualify for the selected refinance
and meet all the requirements of the loan program you select at the time you apply
for the refinance. The appraised value of your home for the future refinance is
not guaranteed. There must be a full appraisal of your home when the new refinance
is requested and the value at that time must be acceptable for the program and loan
terms you request. The interest rate for the future refinance is not guaranteed.
You will have to qualify for the loan requested, and will be quoted the interest
rates in effect at the time of your next refinance.
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