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Home Refinance
Lower Payments. Consolidate Debt. Pull Cash Out.
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Refinance Your Mortgage with Confidence
Lifetime Guarantee
After you refinance with us once, we’ll waive the lender fees and reimburse appraisal fees on any future refinance with loanDepot.
Working For You
Our licensed lending officers are held by a strict "no steering" policy and are not incentivized to sell one loan over another.
Mortgage Expertise
As a state licensed pioneer in our industry, loanDepot has funded more than $100 billion in loans since 2010.
Let's See if Home Refinancing Makes Sense for You
Has your income increased?
Do you need to consolidate debt?
Has the equity in your home increased?
Do you need money for a major expense?
Has your credit rating improved?
Connect with a loanDepot Licensed Lending Officer now at (888) 983-3240
6 Easy Steps to Making Mortgage Refinancing a Breeze
loanDepot has over 1,700 licensed lending officers across the US and our no steering policy means you get a loan expert to help you find the best loan for your goals and not the best plan for their wallet.
Refinancing offers the benefit of obtaining a lower rate and saving you hundreds of dollars monthly or thousands of dollars yearly!
Choose from fixed-rate terms to adjustable-rate terms, jumbo loans or government loans; we have the perfect loan for you.
Your licensed lending officer will help to coordinate with all the necessary parties to ensure your loan is submitted to the underwriter for approval.
A sample of some of the documents you may need to provide are paystubs, mortgage statements, 2 years of employment history, etc.
Upon approval, we will schedule your loan closing appointment at a time that's convenient for you.
Get the Loan That's Right for You
Jumbo
loanDepot offers consistent and secure low rate Jumbo mortgage programs with the ability to borrow higher amounts
Adjustable Rate
If you plan on staying in your home short-term or would like lower payments, an ARM loan program might be right for you
Fixed Rate
A traditional, fixed-rate mortgage is our most popular program for refinancing or a new home purchase
VA
loanDepot is authorized to offer special loan programs that are guaranteed by the VA for active military and veterans that are not available to the general public
FHA
Qualify with ease with as little as 3.5% down; originally for first-time buyers, FHA programs are now open to wider audiences
HARP
HARP is a federal program to help responsible, underwater and near underwater homeowners refinance their mortgages to a lower rate
Find Out More About Mortgage Refinance
Why Refinance Your Home Loan
Lowering your rate and payment is one of many reasons to consider a mortgage refinance. Have you thought about converting your current adjustable rate into a 30-year fixed loan? How about a cash out refinance to remodel your bathroom or put in new floors? With attractive rates and loan programs, now may be the best time to make a move.
How Does Refinancing Work
Before you refinance your home, it's important to know what questions to ask, research available loan options, calculate refinance payments and determine whether or not refinancing will benefit you. Once you decide that refinancing will help you, be sure you understand the process so that you know what to expect.
Common Refinance Questions
A list of some of the most frequently asked mortgage refinance questions. If your question isn't addressed here, please call and speak with one of our experienced mortgage bankers who will be happy to answer any questions you have.
What Our Customers Are Saying *
Refinance
David M.
New York
"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."
Refinance
Jenifer P.
California
"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."
Refinance
Alan S.
Alabama
“Smooth right from the start through to the verification phone call. My rep, Brian bent over backwards to help make things happen.”
Frequently Asked Questions
Depending on the reasons why your credit is imperfect, there are great loan options available including our government programs. Call and speak with one of our licensed lending officers to determine whether or not you qualify for one of our programs.
Every situation is different. It depends on what your current interest is and what your motivation is for refinancing. If your current rate is higher than what is available in the market, it probably makes sense to refinance. To get an idea of what you could save by refinancing, check out our payment savings calculator in our mortgage calculator page and input numbers specific to your situation or call one of our licensed mortgage bankers for some expert advice.
Get started online or call (888)983-3240 to talk to a licensed lending officer
Most refinance transactions could take up to 45 to 60 days based on the complexity of the loan. loanDepot has built a smooth and seamless process, enhanced by our proprietary paperless technology that enables us to close loans faster than the average industry turn-times. As long as you do your part in delivering the documentation that we need in a timely manner.