Future Loans Not Covered by the Guarantee. 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, and down payment assistance programs. The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale or Correspondent divisions. The Guarantee may only be used by submitting an application directly to loanDepot. Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee.