Accessible View
  • Find an Expert
    Find a Loan Officer Find a Branch
  • Loans
    Home Refinance Home Purchase mello smartloan Home Builders Joint Ventures
  • Community
    Knowledge Cafe Blog
  • About
    Overview Mission and Values Leadership Careers Contact Us Pay My Bill Trouble Making Payments
  • (888) 983-3240
  • Sign In
  • Find an Expert
    Find a Loan Officer Find a Branch
  • Loans
    Home Refinance Home Purchase mello smartloan Home Builders Joint Ventures
  • Community
    Knowledge Cafe Blog
  • About
    Overview Mission and Values Leadership Careers Contact Us Pay My Bill Trouble Making Payments
  • Sign In
  • (888) 983-3240

America's Lender

A Lending Solution for Every Dream.

Great! Are you currently working with anybody at loanDepot?
This will help save you time by connecting you with the right person.

Choose your loan product >

Lending Experience Simplified

choose refinance loan product choose refinance loan product

Refinance
choose purchase loan product choose purchase loan product

Purchase
choose home equity loan product choose home equity loan product

Equity

Refinance

Refinance

purchase

Purchase

Equity

Equity

Close (icon) Close (icon) Close Back (icon) Back (icon) Previous
By clicking "continue", you are authorizing loanDepot.com, LLC and its corporate parent, affiliates and partners to deliver or cause to be delivered to you (including through agents and authorized third-parties) telemarketing promotions for products or services in addition to those about which you are applying, but that may be of interest to you using an automatic telephone dialing system or an artificial or prerecorded voice and text messages to the phone numbers you provided above. You are not required to sign this agreement as a condition of purchasing any property, goods, or services.
Close (icon) Close (icon) Close Back (icon) Back (icon) Previous

Refinance

Refinance

Purchase

Purchase

Equity

Equity

Simple. Secure. Smart.

Applying for a mortgage shouldn't be complicated.
With mello smartloan™, it's not.
Find out if you're approved in a matter of minutes!

Illustration of couple looking at new home
loanDepot
Start Over Close
Go Back

{{ productStep.heading }}

choose {{ card.slug }} loan product choose {{ card.slug }} loan product
{{ card.title }}
Checkmark

{{ productKicker }}

{{ loanOfficerStep.heading }}

{{ loanOfficerStep.paragraph }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ zipStep.heading }}

{{ form.city }}, {{ form.state }} {{ zipStep.errorText }}
{{ zipStep.helpText }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ financeAmountStep.purchaseHeading }}

{{ financeAmountStep.purchaseHeading }}

{{ financeAmountStep.limitLabelMin }}
{{ financeAmountStep.limitLabelMax }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ downPaymentStep.heading }}

{{ downPaymentStep.limitLabelMin }}
{{ downPaymentStep.limitLabelMax }}
{{ downPaymentStep.loanAmountCopy }}
${{ formattedLoanAmount }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ creditScoreStep.heading }}

{{ card.title }}
{{ card.description }}
Checkmark
{{ creditScoreStep.helpText }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ nameStep.heading }}

{{ nameStep.helpText }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ phoneStep.heading }}

{{ phoneStep.helpText }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ emailStep.heading }}

{{ emailStep.helpText }}
Back
 (888) 983-3240

{{ phoneDisclaimer.copy }}

Close

{{ restartModalCopy.subheading }}

{{ restartModalCopy.paragraph }}

Close

{{ closeModalCopy.subheading }}

{{ closeModalCopy.paragraph }}

Close

{{ loanOfficerModalCopy.subheading }}

{{ loanOfficerModalCopy.paragraph }}

Simple. Secure. Smart.

Applying for a mortgage shouldn't be complicated.
With mello smartloan™, it's not.
Find out if you're approved in a matter of minutes!

Illustration of couple looking at new home
loanDepot
Start Over Close
Go Back

{{ productStep.heading }}

choose {{ card.slug }} loan product choose {{ card.slug }} loan product
{{ card.title }}
Checkmark

{{ productKicker }}

{{ loanOfficerStep.heading }}

{{ loanOfficerStep.paragraph }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ zipStep.heading }}

{{ form.city }}, {{ form.state }} {{ zipStep.errorText }}
{{ zipStep.helpText }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ financeAmountStep.purchaseHeading }}

{{ financeAmountStep.purchaseHeading }}

{{ financeAmountStep.limitLabelMin }}
{{ financeAmountStep.limitLabelMax }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ downPaymentStep.heading }}

{{ downPaymentStep.limitLabelMin }}
{{ downPaymentStep.limitLabelMax }}
{{ downPaymentStep.loanAmountCopy }}
${{ formattedLoanAmount }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ creditScoreStep.heading }}

{{ card.title }}
{{ card.description }}
Checkmark
{{ creditScoreStep.helpText }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ nameStep.heading }}

{{ nameStep.helpText }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ phoneStep.heading }}

{{ phoneStep.helpText }}

{{ productKicker }}: {{ formStep }} of {{ totalSteps }}

{{ emailStep.heading }}

{{ emailStep.helpText }}
Back
 (888) 983-3240

{{ phoneDisclaimer.copy }}

Close

{{ restartModalCopy.subheading }}

{{ restartModalCopy.paragraph }}

Close

{{ closeModalCopy.subheading }}

{{ closeModalCopy.paragraph }}

Close

{{ loanOfficerModalCopy.subheading }}

{{ loanOfficerModalCopy.paragraph }}

Real Solutions to Power your Life

loanDepot mello smartloan digital loan

mello smartloan™

Applying for a mortgage shouldn't be complicated. Now it's not. Introducing mello smartloan™, the SMART way to mortgage.

Find Out More

Find an Expert

Find an Expert

Let us help you find a loan consultant that’s right for you.

Find an Expert

Disaster Relief

Disaster Relief Efforts

loanDepot is committed to assisting our customers who have been affected by the recent disastrous events. Click below for more information on how we can help.

Find Out More

Find a Branch

Find a branch near you

We may be national in scope, but we’re very local in our approach. Great service is just around the corner.

Find a Branch

Dedicated to Borrowers Nationwide

Consumer Loans Funded

$100

Billion

Mortgages Refinanced

$70

Billion

New Home Purchase

$30

Billion

Personal Loans Approved

$580

Million

What Our Customers Are Saying *

Refinance

David M.
New York

"At first I was skeptical, but loanDepot took the time with me and refinanced my home so I can afford to stay in it. They were also able to give me a personal loan. Everyone I dealt with was very kind."

Buying a House

Mark S.
Florida

"loanDepot did a great job helping me buy my first home. The paperwork was all electronic and all my questions were answered in minutes. They have the lowest APR I found anywhere!"

Refinance

Merry B.
Texas

"I received great service from loanDepot. Everything was communicated in a professional and timely manner and with a courteous attitude."

Refinance

Jenifer P.
California

"loanDepot took the time to explain in simple language all of the terms for my loan. I could not ask for anything more, they did exactly what they said they would and I have had no problems."

Buying a House

Jessica R.
New Mexico

"Fast, excellent service, and very efficient. I was looking for a 15yr fixed rate loan to replace my 30yr ARM. Best decision we ever made was going with loanDepot, they are the best."

Buying a House

Steven M.
Washington

"We tried to buy a house for months with 4 different lenders. I am so glad we received a call from loanDepot. They listened and helped us even though we were working with another lender."

phone-icon

Connect with America’s Lending Experts Today!

(888) 983-3240

Top Articles

article.Thumbnail.Alt

5 steps to take control of your finances and save for your dream home

By aleksandra kadzielawski
article.Thumbnail.Alt

5 ways to save natural resources throughout the year

By loandepot staff writers
article.Thumbnail.Alt

Why interest rates aren’t the only factor that matters when choosing a lender

By aleksandra kadzielawski
article.Thumbnail.Alt

How to get the best return on your home improvement project

By aleksandra kadzielawski
article.Thumbnail.Alt

Introducing the fully digital mortgage (and why you want one)

By aleksandra kadzielawski
article.Thumbnail.Alt

It’s summer selling season: How to get your house sold fast

By aleksandra kadzielawski

loanDepot

  • instagram
  • facebook
  • twitter
  • YouTube
  • LinkedIn
  • trust pilot
Mortgage Types
State Licensing
Privacy & Security
Terms of Use
Accessibility

Home Refinance

Home Refinance

  • Refinance Rates
  • Refinance Calculator
  • Cash Out Refinance
  • Reasons to Refinance
  • Refinance FAQs
  • Refinance Process

Home Purchase

Home Purchase

  • Home Loan Rates
  • Home Loan Calculator
  • House Buying Questions
  • How To Buy a House
  • Mortgage Pre-Approval

Mortgage Calculator

Mortgage Calculator

  • Compare Mortgage Rates
  • ARM vs Fixed Calculator
  • FHA Loan Calculator
  • Interest Savings Calculator
  • Jumbo Loan Calculator
  • Affordability Calculator
  • Rent vs Buy Calculator
  • VA Loan Calculator

Loan Options

Loan Options

  • Adjustable Rate Mortgage
  • Fixed Rate Mortgage
  • FHA Loan
  • HARP Loan
  • Jumbo Loan
  • VA Loan
  • 203k Loan
  • Lifetime Guarantee

About loanDepot

About loanDepot

  • Leadership
  • Contact Us
  • Pay My Bill
  • Trouble Making Payments
  • Mission and Values
  • Careers
  • Become a Vendor
  • Unsubscribe
To view legal disclosures and important notices, please click the following:
To view legal disclosures and important notices, please click the following: Lifetime Guarantee Disclaimers Rate Assumptions

loanDepot Lifetime Guarantee ("Guarantee")  —  Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate.  The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division.  The Guarantee may only be used by submitting an application directly to loanDepot.


For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. The ability to redeem the Guarantee in part or in whole also is subject to future changes in Federal or state law, or investor or guarantor restrictions on refinancing the existing loan.  loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home.  The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time.  For future loans meeting the above requirements and which are successfully closed, the appraisal fee will be reimbursed at the closing of the loan transaction and no lender fees will be charged. “Lender fees” do not include discount points associated with the loan transaction.  “Appraisal fee” includes only the fee associated with the first appraisal on the loan transaction and does not include any ancillary appraisal fees that may be charged in connection with the loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). Terms and conditions are subject to change without notice.


Future applicants must contact loanDepot directly via the website: www.loandepot.com/MyGuarantee or via telephone (877-395-7381) to qualify for the Guarantee. Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee.

Testimonial disclosure — Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and is for display purposes only.

Rate Assumptions — Rates displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, 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 the loan amount 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 Licensed Lending Officers at (888) 983-3240 for a customized rate and payment quote.

NMLS#174457 - NMLS Consumer Access Site |

©2009-2019 loanDepot.com, LLC   all rights reserved

A Rating     Equal Housing Opportunity