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Recent Articles

low inventory on horizon

Tight Housing Supply Continues to Push Prices Higher

By loanDepot Staff Writers - June 2018

If April is the month of showers, then a little rain fell on the real estate market’s parade for the month, with a slump in sales of both existing and new homes.

After two consecutive ...

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Single women homebuyers

What is second-largest group of homebuyers? The answer might surprise you

By Renee Morad - May 2018
A growing number of women are defying the challenges of single homeownership and realizing their goals.
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5 reasons to refin now

5 reasons to refinance right now

By Danielle Baldwin - May 2018
There is no denying that mortgage interest rates have been trending up but they’re still not far from where they were this time, last spring.
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Historic home

Past imperfect? What you need to know before buying a historic home

By Danielle Baldwin - May 2018
Crown molding, mahogany wainscoting, custom built-ins … these is no denying old and historic homes have charms we can rarely find in contemporary architecture.
Read More
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Condo financing

Navigating the condo financing process

By Daniel Goldstein - April 2018
For many first-time buyers, a condominium is a good entry into homeownership.
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New deck

Design the deck of your dreams

By Danielle Baldwin - April 2018
Summer is fast approaching and soon it will be time for you and your family to maximize your outdoor living areas.
Read More
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Antique watch

Is now the right time to refinance?

By Susan Belknapp - April 2018
With the Federal Reserve indicating it plans to raise interest rates gradually in 2016, you should consider refinancing soon while mortgage rates are still historically inexpensive.
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Millennials home

Impact of Millennials on the housing market

By Danielle Baldwin - April 2018
There has been a long-held stereotype that Millennials are still living at home and aren’t in a hurry to get into the housing market.
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Multigenerational housing

Multigenerational housing – what you need to know

By Danielle Baldwin - April 2018
Almost 30 years ago, in the days of chintz drapes and coral-colored couches, only 12 percent of Americans were living in multigenerational homes.
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Stop shopping

What not to do once your home is in escrow

By Daniel Goldstein - April 2018
Congratulations! You’re buying a new home. There’s much to be done.
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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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