Finance with us once and never pay lender fees again**
Most home owners will refinance their mortgage every 7 years. That means over the course of a 30-year mortgage you’re likely to refinance at least 4 times, twice during a 15-year mortgage. That can mean thousands in lender and appraisal fees every time.
That’s where loanDepot’s Lifetime Guarantee can give you a huge advantage. After you finance with us the first time, we’ll waive our lender fees and reimburse your appraisal fee when you refinance your home with loanDepot in the future.
Your loanDepot Lifetime Guarantee is just one of the ways we’re working to be your first choice for refinancing. Call us now at and let’s talk refinance.
** 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 Renovation Loan, a Personal Loan, or combined with other discounts or promotions. This Guarantee excludes down payment assistance programs, bond loan programs, and any loans received by loanDepot from a third party loan originator (e.g., wholesale or brokered transactions). 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.
loanDepot’s easy-to-use calculator puts you in charge of estimating your mortgage payment.