Meeting your unique financing needs with a full spectrum of lending products.
Here’s How it Works
Introducing mello smartloan™, the smarter way to mortgage. Getting started is easy: Skip the paper-chase by digitally connecting your income, employment and assets—making it the swiftest, safest and most secure data verification process you’ll ever experience. Once connected, our proprietary loan engines quickly determine the loan options that will give you the greatest potential cost- and/or time-savings. Our expert loan consultants can then assist you in making the best decision for your personal financial situation. All at no obligation. Only at loanDepot.
First, we'll need to gather some basic information.
Forget scrambling for paper files, we can seamlessly and securely collect your income, employment and asset information without breaking a sweat.
In just minutes, we’ll be able to tell you how much you can save in time and money on your loan. Now that’s SMART!
Our calculators make it easy to do a little pre-application exploration. Check them out:
mello smartloan is a first-of-its-kind end-to-end digital home loan that can identify significant time- and cost-savings for customers in just minutes. By creating a fully digital experience from application through closing, not only do you save significant volumes of time, you enjoy greater surety across the entire process.
In some cases you may not require an appraisal, which can instantly save you hundreds of dollars as well as eliminate the hassle of scheduling an appraiser. Thanks to the power of mello smartdecision™, our loan officers can instantly determine if you could qualify for an appraisal waiver—and can provide that guidance within minutes after submitting your online application.
Yes. Even if you do not receive an appraisal waiver, you’ll know the results of your appraisal valuation much sooner, again reducing time to close. That’s because Appraisal and Title are traditionally two of the longest pieces of the home loan process. With mello smartloan, our technology provides the opportunity for home value approval and title clearance within minutes, again saving you a significant amount of time.
mello smartloan harnesses our proprietary mello technology, together with intelligent data, to shave up to 80% of the work that you would normally need to complete from application to close, eliminating a lot of the frustration that has, to date, often accompanied the mortgage experience. Simply login and create an account to get started.
"loanDepot took the time to explain in simple language all of the terms for my loan. I could not ask for anything more, they did exactly what they said they would and I have had no problems."
Buying a House
"We tried to buy a house for months with 4 different lenders. I am so glad we received a call from loanDepot. They listened and helped us even though we were working with another lender."
"At first I was skeptical, but loanDepot took the time with me and refinanced my home so I can afford to stay in it. They were also able to give me a personal loan. Everyone I dealt with was very kind."
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