Lock in your low rate today!
3.00%
3.022% APR
CONVENTIONAL 5/1 ARM*

Responsible Lending

loanDepot’s leadership team has been lending responsibly for years, delivering accurate information, competitive rates, and an easy process for our customers. Along with full compliance of new, stricter Federal regulations, we’ve implemented our own internal policies as an added layer of consumer protection.

Our mortgage bankers are SAFE Act licensed

The government has enacted a new federal licensing requirement known as the SAFE Act, which establishes minimum standards for licensing and registration of loan originators in order to enhance consumer protection. All of our mortgage bankers are SAFE Act licensed and registered and we’re compliant with all federal and state licensing and lending policies.

No-steering policy

We’ve created a strict “no-steering policy” where none of our employees are incentivized to put you in one loan program over another - so they’re always looking after your best interest. In addition, we don’t quote teaser rates that our customers cannot qualify for or obtain, and we never charge an application fee.

You get an honest Good Faith Estimate (GFE)

One of the most far-reaching new federal regulations requires lenders to provide customers a standardized Good Faith Estimate or GFE when disclosing rate and fees. The old GFE was just a best-effort estimate. The new and improved GFE is designed to make all lenders conform to a standardized document guaranteeing that third party services lenders quote upfront are within a 10% tolerance of the actual fees at closing.

Many lenders try to circumvent the new GFE by using “fee worksheets” or other non-approved documents to provide you an estimate that is not bound by the government-regulated GFE. These alternative “work sheets” are aggressive sales tactics used by many lenders, and they are both misleading and irresponsible. If a lender or broker you’re considering is unwilling or unable to provide what is now lawful practice, we encourage you to move on and do business with a fully compliant lender.

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Rate Assumptions

* 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 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 legal. For example, waiting until after the 12th month, but before the 60th month may be required. This may not be redeemed within 180 days of the Date Issued. 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. This program is only available to applicants who closed their previous loan with loanDepot and received a "5 Year loanDepot Guarantee" certificate. Certificate must be presented in order to qualify for program. Future application must be made directly to loanDepot via the website (www.loandepot.com) or via telephone (888-337-6888). This document is non-transferable.

loanDepot is a direct mortgage lender offering access to current mortgage rates on residential home loans with a selection of mortgage programs including: refinance mortgages, adjustable and fixed rate mortgages, HARP loans, Jumbo, VA and FHA loans. Licensed in all 50 states, loanDepot is an approved seller/servicer to Fannie Mae, Freddie Mac and Ginnie Mae, providing online mortgage loans for refinancing and home purchase. We are committed to delivering accurate lending information, competitive mortgage interest rates, easy loan processing and best in class home loan financing.