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Luis Mendez

Loan Consultant

NMLS # 257057

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Luis has been instrumental in serving his local communities, bringing over 11 years of invaluable experience in the mortgage industry. Due to his vast knowledge, continual commitment to quality and having dedicated his career working to various purchase markets in California, Luis has earned numerous awards including the NAHREP’s President Special Recognition Award (2012 & 2014).

Luis’ focus on problem-solving, proactive communication and immense product knowledge make him a critical asset to any mortgage transaction. With Luis, you can expect a streamlined process that will match the best loan with your financial objectives. His ultimate goal is to get his clients into their dream home, walking them through every step from pre-approval through closing.

In his free time, Luis enjoys spending time with his friends and family. He is also involved with the Lion’s Club International where he serves as the Oxnard Downtown Charter President. You can find Luis at the Oxnard/Ventura branch. Please don’t hesitate to contact him for any of your home financing needs!

 

 

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CA LIC# CA-DOC257057

  • 1000 Town Center Drive #300
    Oxnard, CA 93036
  • (562) 381-1014
  • (805) 824-7084
  • (833) 825-5851
  • Email Me luismendez@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.

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

Daniel Q.

"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.

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Luis Mendez
Loan Consultant
NMLS # 257057
luismendez@loandepot.com
Phone
(562) 381-1014
Email
Email Me
Address
1000 Town Center Drive #300
Oxnard, CA 93036

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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.


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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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