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Home Purchase

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How an HOA can affect your home loan

By Daniel Goldstein - July 2017
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Sometimes efficiency doesn’t come cheap. In the case of homeowner associations (HOAs), residents hav......
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8 questions to ask before you make an offer

By Brie Dyas - July 2017
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Browsing real estate listings can be a great starting point for your dream home search, but a lot of......
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Buy the farm

How to buy the farm – literally

By Renee Morad - July 2017
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Is your vision of an idyllic lifestyle a rural farmhouse on sprawling land with cows, goats and hors......
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Live Your Passion: Put yourself on course for fairway living

By Laura Agadoni - June 2017
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Mark Twain once referred to golf as “a good walk spoiled.” But if you’re seriously into the sport, t......
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Live Your Passion: Wave hello to waterside living

By Laura Agadoni - June 2017
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If fishing, boating or other water sports are among your favorite pastimes, then consider buying a h......
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Live Your Passion: Love baseball? Swing for the fences with your new home

By Kayla Albert - June 2017
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Baseball is in full swing. So if your idea of a good time is munching on peanuts and Cracker Jack at......
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LYP Hiking

Live Your Passion: Scale the heights to your ideal hiking home

By Kali Hawlk - June 2017
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If you’re an avid hiker or just love being close to nature, wouldn’t it be nice to walk out your bac......
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LYP tennis

Live Your Passion: Find a home that serves your love for tennis

By Renee Morad - June 2017
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If you’re an avid tennis player and yearn to reside near courts, there’s more than one way to live y......
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Live Your Passion: Connect your home to what you love

By loanDepot Staff Writers - June 2017
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Jumbo loans

Get the skinny on jumbo loans

By Susan Belknapp - June 2017
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When a mortgage exceeds the maximum conforming limits set by Fannie Mae and Freddie Mac, it’s consid......
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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.

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Unsecured Personal Loans are issued by Cross River Bank; an FDIC insured New Jersey-chartered commercial bank located in Teaneck, New Jersey, Equal Housing Lender. 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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