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LYP Tennis

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

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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 centered final

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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Social networks

How social networks can influence buyers

By ANGELA COLLEY - June 2017
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Without question, the internet has changed the landscape of real estate. In 1964, 40 percent of home......
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Newest housing trends

5 housing trends we expect to continue or emerge – 2017

By Laura Agadoni - June 2017
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Many real estate experts are predicting an overall positive housing market for 2017, despite the upt......
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Self employed

Buying tips for the self-employed

By Laura Agadoni - May 2017
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More than 10 percent of the U.S. population identifies as self-employed, a freelancer or a soloprene......
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crowd fund down payment

Consider crowdfunding your down payment

By Susan Belknapp - March 2017
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Maybe you’re just out of college or perhaps you’re getting married? Nowadays, there are gift ideas m......
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Rosenheim mansion

What would it really cost to live in a TV home?

By Kayla Albert - March 2017
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After spending several seasons immersed in the fictitious lives of your favorite TV characters, thei......
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Down payment tips

Creative ways to compile your down payment

By Daniel Goldstein - March 2017
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Many home lenders after the 2008-09 financial crisis protected themselves by requiring a 20-percent ......
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Good neighborhood

Features of a great neighborhood

By Laura Agadoni - February 2017
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Buying in the right neighborhood can be just as important as picking the perfect home. Although peop......
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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; an FDIC insured New Jersey-charted 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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