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Recent Articles

2019 Housing Trends We Expect to Emerge

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

By Laura Agadoni - November 2018
While many real estate experts are predicting an overall positive housing market for 2019, experts also forecast that mortgage rates will continue to gradually inch higher.
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FICO Score

Everything You Need to Know About Your FICO Score

By Laura Agadoni - November 2018
The easiest and most common way to generate a credit report and then a credit score is by using a credit card.
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2019 Conforming Loan Limits Increase

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

By loanDepot Staff Writers - November 2018
The Federal Housing Finance Agency (FHFA) just announced that the maximum conforming loan limits for mortgages will increase to $484,350 in 2019.
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Reverse Mortgage 101

What Is a Reverse Mortgage and How Does It Work

By Aleksandra Kadzielawski - November 2018
A reverse mortgage is a loan that enables homeowners who are age 62 or older to convert a portion of their home’s equity to the lender in return for cash.
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Six Tips for First-Time Homebuyers

Six Tips for First-Time Homebuyers

By Aleksandra Kadzielawski - November 2018
Here are six practical strategies that can help you afford your first home.
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Mortgage_101

Common Mortgage Acronyms and Definitions

By Lori Wildrick - October 2018

Whether you’re in the process of buying or selling a home, you’re likely to encounter a variety of mortgage acronyms and terms that you may not have heard before. We’ve comp...

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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

Whether you’re just starting out your home search, or you’ve been searching for a while, you might be asking yourself some important questions.

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Economic News

Consumer confidence reaches 18-year high

September 2018

The housing market’s momentum continued to slow with sales of existing homes and new homes both falling, and housing starts rising only a minimal amount....

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What to do in case of a naural disaster

General Information: What to Do in the Event of a Natural Disaster

By loanDepot Staff Writers - September 2018
A guide for what to do when faced with serious weather phenomena like hurricanes.
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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") — 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.

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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