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Home Purchase

Make Your Dream Home a Reality.

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Performing an offer inquiry will not impact your credit score and will allow you to see offers containing potential terms and rates; however, upon electronically submitting your application, we will report a hard inquiry to at least one Credit Reporting Agency. Please refer to the terms of our Credit Report Authorization for additional information.
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Personal

Personal

Redefining the Home Purchasing Experience

Lifetime Guarantee

After you refinance with us once, we’ll waive the lender fees and reimburse appraisal fees on any future refinance with loanDepot.

Working For You

Our licensed lending officers are held by a strict "no steering" policy and are not incentivized to sell one loan over another.

Mortgage Expertise

As a state licensed pioneer in our industry, loanDepot has funded more than $100 billion in loans since 2010.

Why Fund Your Home Purchase with loanDepot?

Exceptional customer care

Quality, competitive loan options

Licensed in all 50 states

Tech-enabled lending platform

A+ rating with Better Business Bureau

Connect with a loanDepot Lending Expert now at (888) 983-3240

6 Easy Steps to Make Purchasing a Breeze

Talk to our Licensed Lending Officers

loanDepot has over 1,700 licensed lending officers across the US and our no steering policy means you get a loan expert to help you find the best loan for your goals and not the best plan for their wallet.

Define Your Goals

Determine your budget and create a list of “Needs” and “Wants” that you can use to help you find the home of your dreams.

Choose the Loan that's Right for You!

Choose from fixed-rate terms to adjustable-rate terms, jumbo loans or government loans; we have the perfect loan for you.

Get Approved for the Loan You Want

Your licensed lending officer will help to coordinate with all the necessary parties to ensure your loan is submitted to the underwriter for approval.

Close Your Loan

Upon approval, we will schedule your loan closing appointment at a time that's convenient for you.

Submit Your Documents

A sample of some of the documents you may need to provide are paystubs, mortgage statements, 2 years of employment history, etc.

Error

There was an error. Please check your calculator inputs and try again.

Mortgage Estimate

Mortgage Amount

200000

Total Cost of Mortgage

323312.17522235309312060776381

Your Monthly Payment *

898.0893756176474808905771217

* Monthly payments only include principal and interest and are not an offer to lend. Tax, insurance, and other fees may apply

Get the Loan That's Right for You

Jumbo

loanDepot offers consistent and secure low rate Jumbo mortgage programs with the ability to borrow higher amounts

Adjustable Rate

If you plan on staying in your home short-term or would like lower payments, an ARM loan program might be right for you

Fixed Rate

A traditional, fixed-rate mortgage is our most popular program for refinancing or a new home purchase

Personal Loans

loanDepot offers unsecured personal loans up to $35,000 to consolidate debt or make a major purchase

VA

loanDepot is authorized to offer special loan programs that are guaranteed by the VA for active military and veterans that are not available to the general public

FHA

Qualify with ease with as little as 3% down; originally for first-time buyers, FHA programs are now open to wider audiences



HARP

HARP is a federal program to help responsible, underwater and near underwater homeowners refinance their mortgages to a lower rate

Home Equity

Home equity loans are fixed-rate second mortgages that give you access to up to 90% loan-to-value of the equity you've built in your home

Purchasing your dream home has never been easier

Our home loan experts can arm you with helpful mortgage information plus other valuable resources to help make buying your home quick and easy!

What’s the benefit of a home loan from loanDepot?

We are a direct mortgage lender

We control the entire mortgage process, enabling us to deliver low home loan rates and closings up to 50% faster than the industry average.

You get the right home loan for you... not us

We have a strict “No Steering” policy, assuring that you get the right loan for your current and future needs. Choices for home loans include FHA, VA, Jumbo, ARM and fixed mortgage programs.

Our mortgage expertise

We are recognized pioneers in our industry and our licensed loan officers are state licensed in accordance with the federal government’s S.A.F.E. Act.

Learn More about Buying a House

How To Buy a House

Buying a home is an exciting yet stressful time, especially if you're a first time homeowner. Many buyers don't realize that there's a lot of prep work to do before you even start looking at homes including getting pre-approved for a loan.

House Buying Questions

Lowering your mortgage rate and payment is one of many reasons to consider a mortgage refinance. Have you thought about converting your current adjustable rate into a 30-year fixed rate mortgage loan? How about a cash out refinance to remodel your bathroom or put in new floors? With attractive rates and loan programs, now may be the best time to make a move.

What Our Customers Are Saying *

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!"

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

David T.
kansas

"loanDepot helped my wife and I purchase our retirement home. Being on a fixed budget, our loan officer took that into consideration and help us choose the right loan for our needs. Great customer service!"

Personal Loans

Do I need a home inspection?

Although a home inspection is not required, it is a good idea to obtain the services of a professional qualified inspector to help you determine the condition of the home you are looking to purchase. A professional inspector will look for any structural issues as well as mechanical problems that may exist in the home that could cause problems in the future. In addition to a structural review, an inspector will also check faucets, toilets, appliances, and other items in the home to make sure everything is in working order. If something needs to be addressed, you can address them with the seller prior to closing. 

How do I know how much I can afford?

There are several factors that determine the home loan amount and purchase price that you can afford. For qualification purposes, lenders look at income, debt, assets (how much money you have for the down payment, closing fees, points, and other funds necessary to close your home loan), as well as credit. There are many different loan programs that offer different terms and rates, and some require lower down payments than others and offer more flexibility in credit and income. The best thing to do is use a mortgage affordability calculator to find out what your payments would be and determine what purchase price and loan amount is comfortable for you.

How long is the home purchase process?

A typical escrow period is 30, 45, or 60 days. The escrow period, defined on the purchase contract and agreed upon by both buyer and seller, is usually what dictates when your loan closes. If you have already entered escrow and are closing in less than 30 days, we can still close your loan on time if we are brought into the loop as soon as possible. We have closed home loans in as little as 7 days!

How much money do I need to buy a home?

Traditional conventional financing requires a down payment of 10 to 20% of the purchase price of the home; however, there are other home loan programs available such as our FHA program that allows you to buy a home with as little as 3.5% down. In addition to the down payment, you should be aware that there are other fees associated with purchasing a home. For example, there are closing fees, pre-paid interest, and prorated items such as property taxes and homeowner's insurance. Call and speak with one of our home buying specialists to get a better idea of what you can expect.


Get started online or call 888.983.3240 to talk to a licensed lending officer


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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 Personal Loans Rate Assumptions

loanDepot Lifetime Guarantee ("Guarantee") — Guarantee applies to future refinances of the same property by the same borrower subject to the conditions and contact requirements outlined below. This Guarantee is non-transferable. This Guarantee may not be applied to a Purchase Loan, a Home Equity Loan, a Personal Loan, or combined with other discounts or promotions. This Guarantee excludes loanDepot’s Wholesale division. Future refinancing 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 may be required. For future refinances of the same property with loanDepot, this Guarantee may not be redeemed within 180 days of the Date Issued. Your loan approval for any future loan is not guaranteed. The appraised value of your home for the future loan is not guaranteed. In the event a full appraisal of your home is required, the property value at that time must be acceptable for the program and loan terms requested. The interest rate for the future loan is not guaranteed. You will have to qualify for the loan requested and will be quoted interest rates in effect at the time of your next loan. For loans meeting the above requirements and which are successfully closed, your 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 your loan transaction.  “Appraisal fee” includes only the fee associated with the first appraisal on your loan transaction and does not include any ancillary appraisal fees that may be charged in connection with your loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). This program is only available to applicants who closed their previous loan with loanDepot and received a "loanDepot Lifetime Guarantee" certificate.

 

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.

Unsecured Personal Loans are issued by Cross River Bank; a New Jersey State Chartered Commercial Bank, Member FDIC. Individuals must be a U.S. citizen or permanent resident and at least 18 years old to apply for credit from Cross River Bank. Valid bank account and Social Security Number/FEIN are required. All loan applications are subject to credit review and approval. All loans may be subject to an origination fee of 1% to 5% of the loan amount. Origination fees are deducted from loan proceeds. Offered loan terms depend upon credit score, requested amount, requested loan term, and credit usage and history. Loans are not available to residents of West Virginia. Residents of Alabama or Nebraska must be 19 years old to apply for credit. All loans in Massachusetts will be greater than equal to $6,001. All loans to Ohio residents must be greater than $5,001. All loans to Connecticut residents must qualify for an annual percentage rate (APR) of less than 12% to be considered for approval. All loans to New Hampshire residents less than or equal to $10,000 must qualify for an annual percentage rate (APR) of 10% or less to be considered for approval. All loans to New York residents must qualify for an annual percentage rate (APR) of less than 16% to be considered for approval. All loans to Vermont residents must qualify for an annual percentage rate (APR) of less than 12% to be considered for approval.

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.

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