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Refinancing: How to maximize your home's appraisal

By Susan Belknapp - September 2017
If you're refinancing a home, you know that getting the best mortgage depends largely on a solid appraisal
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Fannie Mae Freddie Mac

Fannie Mae and Freddie Mac explained

By loanDepot Staff Writers - November 2014
You may have heard the names Fannie Mae and Freddie Mac in the news and wondered what they are. They are government-sponsored enterprises that play a significant role in the mortgage industry. Both Fannie and Freddie buy mortgages from lenders, pool them together and sell them as mortgage-backed securities to investors.
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Getting a mortgage after a foreclosure

Getting a mortgage after a short sale or foreclosure

By loanDepot Staff Writers - March 2015
Having a short sale or foreclosure in your past isn’t a rarity, nor is it a life sentence. You can be a homeowner again—and sooner than you might think.
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Benefits of Cash Out Refinance

What are the benefits of a cash out refinance?

By loanDepot Staff Writers - August 2018
A man or woman’s home is their castle, but life is not always a storybook and it’s not uncommon for us to go through chapters in our lives when the bills get out control. In these cases, financial commitment you’ve shown to your home can come to the rescue in the form of a home equity loan or a cash-out refinance.
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7 Quick Decorating Tips

7 quick decorating ideas to beautify your home

By loanDepot Staff Writers - May 2016
Give your home a quick lift with these seven easy decorating ideas.
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Take care of your home's best assets

By Renee Morad - August 2017
Just as every home is unique in its own way, a home’s best assets differ from one property to the next.
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vacation home

Buying an investment property with a cash-out refinance

By Kali Hawlk - May 2017
Becoming a landlord can be a savvy financial move for those prepared to take on the responsibility. With two or more properties building equity at the same time, you can expand your real-estate portfolio and build your wealth.
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Upsizing or Downsizing: Which is Right for You?

Upsizing or downsizing: which is right for you?

By loanDepot Staff Writers - August 2018
From mini homes to McMansions, today’s housing trends are no longer “one size fits all.” Life is an ever-evolving journey with many phases and stops along the way. And as our personal needs change, so do our space needs.
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New tax laws

How 2018 tax law affects real estate owners

By Danielle Baldwin - February 2018
With the 2018 tax laws officially in effect, it’s important for Americans to have a good understanding of how they will impact them and their future ability to write off certain things.
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premium-gold-cards-2

Premium payoff: Get the most for rewards cards

By Susan Belknapp - July 2015
What if every dollar you spend on this summer’s vacation helped pay for your next big getaway? If you play your ‘cards’ right, there can be a net positive result with every time you sign on that dotted line.
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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 Rate Assumptions

loanDepot Lifetime Guarantee ("Guarantee")  —  Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate.  The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division.  The Guarantee may only be used by submitting an application directly to loanDepot.


For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. The ability to redeem the Guarantee in part or in whole also is subject to future changes in Federal or state law, or investor or guarantor restrictions on refinancing the existing loan.  loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home.  The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time.  For future loans meeting the above requirements and which are successfully closed, the 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 the loan transaction.  “Appraisal fee” includes only the fee associated with the first appraisal on the loan transaction and does not include any ancillary appraisal fees that may be charged in connection with the loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). Terms and conditions are subject to change without notice.


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.

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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