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Recent Articles

Keep and eye to end PMI

Keep a close eye to end PMI

By BILL ROWLAND - September 2017
Anyone purchasing a home with a low down payment is very likely going to require the addition of Personal Mortgage Insurance (PMI).
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New trends in flooring

Solid foundation – the latest trends in flooring

By Susan Belknapp - September 2017
Few improvements can make the type of immediate impact in the appearance and feel of your home as new flooring.
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Marble vs. quartz and other new construction trends

By Susan Belknapp - September 2017
It’s long been my observation that nostalgia runs in 20-year cycles.
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When it comes to home options, there are a multitude of possibilities that can suit your lifestyle.
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Unique homes with unusual beginnings

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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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Credit card fraud

How to protect yourself from credit card fraud

By Susan Belknapp - September 2017
Fear of falling victim of credit card fraud has replaced terrorism as one of the things Americans are most afraid of, according to USA Today.
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Identity theft and credit card fraud

What you need to know about identity theft and credit card fraud

By Susan Belknapp - September 2017
A spate of recent hacks into major financial companies have resulted in the personal and financial information of hundreds of millions of Americans to be compromised.
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Unfinished chronicles

The unfinished chronicles: get those projects done

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Like many homeowners, you probably have a number of started-but-never-finished jobs around the house.
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Talking with loanDepot: Coffee and Conversation

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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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