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Ralph Funes

Senior Loan Consultant

NMLS # 302859

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Ralph is a Loan Consultant who has been able to create loan solutions for specific mortgage needs. He works with a team of underwriters and processors to assist in funding each loan on-time, every time at loanDepot. Ralph's success is due to his unparalleled level of service at creating unique loan solutions.

When considering the purchase of a new home, refinancing or obtaining additional property, please contact Ralph for a personalized mortgage plan.

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CA LIC# CA-DBO302859

  • 1301 Dove St Ste 101
    Newport Beach, CA 92660
  • (714) 657-1218
  • (480) 346-3549
  • Email Me RFunes@loandepot.com
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Here's what my clients are saying...

I am so fortunate to come across Ralph Funes! He is friendly, professional, knowledgeable, and always delivers what he promised me! I highly recommend his service and have referred families and friends looking for an excellent loan mortgage consultant.

Anh P.

We just can’t believe how incredible you both are with navigating us so quickly through the re-fi. We received funds yesterday!!!

Ralph, your expertise and insight with the process is second to none.

Carol, your knowledge and guidance for how and what we do and required for us was delightful and so easy to follow!!

 A huge thank you for the loanDepot Team.

 You guys rock and are awesome. 

 

Rob and Laura G., San Clemente

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Ralph Funes
Senior Loan Consultant
NMLS # 302859
RFunes@loandepot.com
Phone
(714) 657-1218
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:
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”), 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.


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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