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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") — Guarantee applies to future refinances of the same property by the same borrower subject to the conditions and contact requirements outlined below. This Guarantee is non-transferable. This Guarantee may not be applied to a Purchase Loan, a Home Equity Loan, a Personal Loan, or combined with other discounts or promotions. This Guarantee excludes loanDepot’s Wholesale division. Future refinancing is conditional on whether the program type or applicable state/federal laws contain "seasoning" restrictions that would make refinancing during a specific period legal. For example, waiting until after the 12th month may be required. For future refinances of the same property with loanDepot, this Guarantee may not be redeemed within 180 days of the Date Issued. Your loan approval for any future loan is not guaranteed. The appraised value of your home for the future loan is not guaranteed. In the event a full appraisal of your home is required, the property value at that time must be acceptable for the program and loan terms requested. The interest rate for the future loan is not guaranteed. You will have to qualify for the loan requested and will be quoted interest rates in effect at the time of your next loan. For loans meeting the above requirements and which are successfully closed, your 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 your loan transaction.  “Appraisal fee” includes only the fee associated with the first appraisal on your loan transaction and does not include any ancillary appraisal fees that may be charged in connection with your loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). This program is only available to applicants who closed their previous loan with loanDepot and received a "loanDepot Lifetime Guarantee" certificate.

 

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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