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Home Purchase

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Manufactured homes

Pre-fabulous – the latest in manufactured and modular homes

By BILL ROWLAND - September 2017
When it comes to home options, there are a multitude of possibilities that can suit your lifestyle.
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Castle ext

Unique homes with unusual beginnings

By Renee Morad - September 2017
Distinctive homes are all around us. Whether it be a house with an eclectic style or an unusual architectural design, each and every one of them has a story.
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Disaster Recovery: loanDepot is Here to Help

By Lori Wildrick - September 2017
Disaster Relief: It’s not a topic you’re likely to be very familiar with – until a natural disaster strikes.
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Talking with loanDepot: Coffee and Conversation

By Blaine Lyerla - September 2017
When it comes to homeownership, how are Millennials handling their approach?
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Millennials and mortgages

Talking with loanDepot: Millennials and Mortgages

By Blaine Lyerla - August 2017
Just how knowledgeable are today’s youngest potential buyers regarding their first home purchase?
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Hidden Treasures: Summer 2017

By Blaine Lyerla - August 2017
Across the nation, little towns with unbeatable charm thrive quietly. Take a look at the first of our Hidden Treasures series about emerging but affordable markets.
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Ready to be a homeowner? Here are 7 ways to check

By Blaine Lyerla - August 2017
Taking a good, hard look at your finances is rarely a pleasant experience. After all, how often does it result in good news?
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5 ways to prepare for your first mortgage

By Blaine Lyerla - August 2017
Becoming a first-time homeowner is exciting, but it can also be disconcerting and overwhelming.
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Unique financial habits of Millennials

By Susan Belknapp - August 2017
Accentuate the positive. This tried-and-true adage applies to more than just résumés and style advice.
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Generational buyers

Home options for different generations

By Kayla Albert - August 2017
Baby Boomers and Millennials might be on diametrically opposite ends when it comes to music and technology, but there’s another attribute where they differ – their choice in housing.
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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; 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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