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Recent Articles

float down

How an interest rate lock with float down can help you claim a lower rate

By Aleksandra Kadzielawski - February 2019

With interest rates shifting around the way they have been these last few months, many borrowers are hesitant to commit to a mortgage out of fear that rates could still fall back down further. Fort...

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mortgage rate update

Unexpected dip in mortgage rates opens homebuying affordability window

By loanDepot Staff Writers - February 2019

An unexpected drop in mortgage rates in late 2018 has inspired some homebuyers into action ahead of the busy spring sales season, spurring an early rush of mortgage appl...

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what to know before cosigning a loan

What to know before agreeing to cosign on a loan

By Aleksandra Kadzielawski - February 2019

If you are new to the concept of cosigning a loan, you might be wondering why someone would ask to add you to his or her loan application. Typically, the main reason is for the primary borrow...

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Home Owner Tax Checklist

Homeowner Tax Prep Checklist: What to Gather Before Filing

By loanDepot Staff Writers - February 2019

2019 marks the first year that the new tax laws take into effect, leaving many people curious about whether this will result in a bigger refund compared to last year. While...

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Six Housing Trends in 2019

Six housing trends we can expect to continue or emerge in 2019

By loanDepot Staff Writers - January 2019
Here are six of the housing trends that we project will gain traction or we can expect to emerge in 2019.
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Fannie and Freddie loan limits increase

Fannie and Freddie maximum conforming loan limits increase to $484,350 for 2019

By Aleksandra Kadzielawski - January 2019
The Federal Housing Finance Agency (FHFA) has announced that the maximum conforming loan limits for mortgages will increase to $484,350 in 2019.
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Know Your FICO Score

Everything you need to know about your FICO score

By Laura Agadoni - January 2019
Your credit score is often the determining factor on whether you get a job, an apartment, a phone, and on what your auto and homeowners insurance premiums will be.
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Home Appraisal 101

Understanding the home appraisal process

By Laura Agadoni - December 2018
A home appraisal is essentially an expert’s opinion of what your home is worth. The appraisal assures the lender that the buyer is not overpaying for the home.
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Temporary Interest Rate Buydowns

How Can Temporary Interest Rate Buydowns Help Borrowers?

By Aleksandra Kadzielawski - September 2018
Consider a temporary interest rate buydown to help lower your monthly mortgage payment for up to the first two years.
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Small Home vs. Large Home

Small homes have their advantages

By Aleksandra Kadzielawski - September 2018
When it comes to your first home, bigger may not be better. Here's why.
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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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