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Gary Acha

Loan Consultant

NMLS # 765513

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Gary joined loanDepot in 2016. He brings over five years of valuable industry experience acquired through various roles in financial service, banking, and investments where he helped clients prepare financially for the future.

He is passionate about helping others realize their homeownership dream, and seeks solutions to find the right loan products to fit his client’s unique needs. His primary goal is to streamline the loan process for his clients from the very start.

In his free time, Gary enjoys bowling, hiking, and outdoor sports, including football, basketball and baseball. He is a proud father of a daughter named Cameron. Gary actively participates in community groups and is a member of Affiliates in Action (AIA), Networking Group for South Bay Association of Realtors, as well as a Member of OCAR.

You can find Gary at the Newport Beach Branch. Please do not hesitate to contact him for any of your mortgage needs!

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CA LIC# CA-DBO765513

  • 1301 Dove St Ste 101
    Newport Beach, CA 92660
  • (714) 657-1248
  • (989) 493-9028
  • (480) 344-9359
  • Email Me GAcha@loandepot.com
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Here's what my clients are saying...

"Knowledgeable staff who answered our questions with confidence. They knew what they were doing."

Vivian G.

"loanDepot helped my wife and I purchase our retirement home. Being on a fixed budget, our loan officer took that into consideration and help us choose the right loan for our needs. Great customer service!"

David T.

"Immediately from the onset of the online application the experience was pleasurable and professional."

Daniel Q.

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Gary Acha
Loan Consultant
NMLS # 765513
GAcha@loandepot.com
Phone
(714) 657-1248
Email
Email Me
Address
1301 Dove St Ste 101
Newport Beach, CA 92660

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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”), 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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