Refinance

Buy a Home

30
Year
Fixed
3.5%
3.849% APR*
15
Year
Fixed
2.75%
3.053% APR*
20
Year
Fixed
3.25%
3.668% APR*

HARP Loans

Recent changes let more underwater homeowners qualify for today's low rates

Home Affordable Refinance Program (HARP)

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 home loans owned by Fannie Mae or Freddie Mac on or before 5/31/09, and have been current on their mortgage payments, may qualify for HARP refinance rates.

Big Savings with HARP Loans

Savings from HARP refinancing 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 the Home Affordable Refinance Program.

Our Loan Consultant are Experts

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.

Why get a HARP loan?

  • Save hundreds each month*

    Lower your mortgage payments
  • No Equity Required

    Relief for underwater homeowners
  • No Appraisal Needed

    Loan-to-value is not a factor
  • No Minimum Credit Score

    Just be up-to-date on your mortgage payments

Why talk to a loanDepot licensed mortgage banker?

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.


Call Us for a Quote

Talk to a licensed mortgage banker who can answer all your questions, quote rates and find your best loan.

We’ll Call you

Fill out a short contact form and we’ll have a mortgage expert call or email you back.

Apply Online

Apply with our online application. View and lock in your rate online, all from the convenience of your home

Call a loan specialist today (888) 983-3240
Pre-qualify for a loan in 30 seconds
Get Started
Fill out our online application
Apply Now
loanDepot in the news
View Now

© 2009-2014 loanDepot.com LLC, All rights reserved. NMLS#174457 - NMLS Consumer Access Site

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 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.

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.