Lifetime Guarantee

loanDepot will waive all lender fees when you refinance your home with us in the future*

Most home owners will refinance their mortgage every 7 years. That means over the course of a 30-year mortgage you're likely to refinance at least four times or twice during a 15-year mortgage. That can mean thousands in lender fees every time.

That's where loanDepot's Lifetime Guarantee can give you an advantage. After you finance with us the first time, we'll waive our lender fee when you refinance your home with loanDepot in the future. Additionally, Home Equity Line of Credit ("HELOC") borrowers will also receive up to a half point waiver of closing costs when refinancing the HELOC with loanDepot.*

Your loanDepot Lifetime Guarantee is just one of the ways we're working to be your first choice for refinancing. Call us now and let's talk refinance.

* loanDepot Lifetime Guarantee ("Guarantee"):

Basic Eligibility. 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. If the borrower received a HELOC from loanDepot, the Guarantee will also apply to the refinancing of any mortgage loan that is secured by the same property upon which that borrower received both a HELOC and a "loanDepot Lifetime Guarantee" certificate.

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.

Other Terms and Conditions. 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.

Guarantee Scope. For future loans meeting the above requirements and that are successfully closed, no lender fee will be charged. “Lender fee” does not include discount points associated with the loan transaction. loanDepot HELOC borrowers who are eligible for the Guarantee under the terms described above up to a half point waiver of closing costs when (i) refinancing their existing loanDepot HELOC into an eligible new mortgage with loanDepot or (ii) when refinancing with loanDepot the existing first lien mortgage that is secured by the same property that also secures the borrower’s existing loanDepot HELOC.

Notice. Terms and conditions are subject to change without notice.

Redemption. Future applicants must contact loanDepot directly via the website: or via telephone(877) 395-7381to qualify for the Guarantee.
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