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Toy Eng

Loan Consultant

NMLS # 184263

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Welcome to my website! I feel you should know that I am dedicated to helping you to understand the loan process and selecting the best financing options available. Because each customer, property, and transaction differs, I do not believe that mortgage lending should be "one size fits all." Rather help you through the lending process while customizing it to fit your unique needs.

I have been a Mortgage Loan Originator since July 2009 and I joined the dynamic team at loanDepot LLC in May 2012. I enjoy working at loanDepot LLC because they have competitive pricing, and all of your processing is completed "in-house". With all of these capabilities this provides for excellent service!

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NY

  • 520 White Plains Rd Fl 1
    Tarrytown, NY 10591
  • (914) 586-1125
  • (646) 489-6225
  • (914) 509-1402
  • Email Me teng@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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Toy Eng
Loan Consultant
NMLS # 184263
teng@loandepot.com
Phone
(914) 586-1125
Email
Email Me
Address
520 White Plains Rd Fl 1
Tarrytown, NY 10591

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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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