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** Rate Assumptions – Rate displayed is a 5/1 ARM. Rates are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, all borrowers have credit scores of 740 or higher, debt-to-income ratios of 35% or lower, asset and reserved requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on a loan amount of $200,000 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 Mortgage Bankers at (844) 863-7346 for a customized rate and payment quote.
† When you fund your home loan with loanDepot, you are protected by our Lifetime loanDepot Guarantee. If the opportunity arises and you decide to refinance for any reason including cash-out, pay off debt or home improvements, loanDepot will waive all lender fees and reimburse appraisal fees.
loanDepot Lifetime Guarantee - The loanDepot Lifetime Guarantee (the "Guarantee") is available only for the property address and applicant associated with the imortgage loan number referenced in this advertisement. 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. This may not be redeemed within 180 days of the Date Issued. Your loan approval for the future refinance is not guaranteed. You must fully qualify for the selected refinance and meet all the requirements of the loan program you select at the time you apply for the refinance. The appraised value of your home for the future refinance is not guaranteed. There must be a full appraisal of your home when the new refinance is requested and the property value at that time must be acceptable for the program and loan terms you request. Appraisal fees will be reimbursed at the closing of the refinance transaction and no lender fees will be charged. The interest rate for the future refinance is not guaranteed. You will have to qualify for the loan requested and will be quoted the interest rates in effect at the time of your next refinance. This Guarantee is non-transferable.