Welcome to loanDepot

There are a lot of decisions that come with financing your home. That’s why it helps to choose a lender that will give you the time and attention you deserve. loanDepot has been there helping millions of Americans achieve their dreams. And we’re here for you.

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855-799-2263

Today's mortgage rates

Rest assured, when you choose loanDepot, you can expect us to find the best lending solution for you with truly competitive rates.
Interest Rate
APR
5 / 1 ARM
3.000%
4.140%
15.0-Year Fixed
2.500%
3.095%
30.0-Year Fixed
3.125%
3.459%
Call today for your personalized rate quote. 855-799-2263

Rate and offer information: There is no guarantee that all borrowers will qualify and approval is subject to verification of credit, income, assets, and value, among other criteria. This is not a commitment to lend. Your actual rate and payment may be different based on many factors. Interest rates, if displayed, are valid as of August 21, 2019.

Rate assumptions:
  • Based on refinancing an owner-occupied single family home.
  • APR may be higher if Mortgage Insurance is required or if an affiliated service provider is used.
  • Actual rate and payment may be different based on many factors and do not include Mortgage Insurance, Taxes, or Hazard Insurance payments, if required.
  • Programs, rates, terms and market conditions are subject to change without notice.

30 Year fixed rate – Rate displayed assumes all borrowers having a credit score of 740 or higher, debt-to-income ratios of 43% or lower, asset reserve requirements are met, and your property has a loan-to-value less than 60%. The Annual Percentage Rate (APR) and proposed new payment is based on a 30 year fixed rate and term refinance loan with 360 monthly payments with a loan amount of $200,000 and may include up to 3 points (1 point equals 1% of the loan and can include any origination, discount and lender fees).

15 Year fixed rate - Rate displayed assumes all borrowers having a credit score of 740 or higher, debt-to-income ratios of 43% or lower, asset reserve requirements are met, and your property has a loan-to-value less than 60%. The Annual Percentage Rate (APR) and proposed new payment is based on a 15 year fixed rate and term refinance loan with 180 monthly payments with a loan amount of $200,000 and may include up to 3 points (1 point equals 1% of the loan and can include any origination, discount and lender fees).

5/1 ARM rate - Rate displayed assumes a loan amount of at least $200,000 and may include up to 3 points (1 point equals 1% of the loan) with all borrowers having a credit score of at least 740, a debt-to-income ratio of 43% or lower, a property loan-to-value of 60% or less with all asset and reserve requirements met. Home value for loan to value (LTV) uses automated valuation models (AVM). Actual appraised values may be different which could lead to a different interest rate availability. After five years, the interest rate becomes adjustable based on the following formula: Rate = Index + Margin. Caps are 5/2/5. Margin is fixed at 2.25%. Index is based on the one year Libor.

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Exclusive Loyalty Benefits1

When you choose loanDepot, we want to reward you for your loyalty. After you finance your mortgage with us the first time, we’ll waive our lender fees and reimburse your appraisal fee when you refinance your home with loanDepot in the future!

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Choosing the right home loan program starts with identifying your current situation, as well as your mortgage goals. Click to learn more about each loan type.


Jumbo Loans

If your home loan is in a high-valued County (above $453,100), then have no fear because we may have a loan for you! With loanDepot's Jumbo loan program you can borrow up to $2 million to purchase a new home.

Fixed Rate Loans

Fixed mortgage rates today come in various types, and these home loans are generally the most popular for those looking to buy or refinance a home. This is due to the security that fixed home loan rates provide, ensuring consistent monthly payments, without worry or hassle about changing interest rates. If you are planning to own your home for several years or more, a fixed rate home loan may be your best option. The most popular home loan program is the 30 year fixed rate mortgage, but 10 year fixed rates, 15 year fixed rates and 20 year fixed rates are also popular.

Adjustable Rate Mortgage

Considering an adjustable rate mortgage? If you anticipate a significant increase in your income or property value in the next several years, plan on staying in your home short-term, or would like to significantly lower your payment, an ARM home loan might be right for you. As the name implies, Adjustable Rate Mortgages (ARMs) have interest rates that change at a pre-determined frequency. Federally insured FHA ARM rates to refinance or buy a home are also available!

FHA Loans

Insured by the Federal Housing Administration (FHA), FHA home loans are government-assisted alternatives to conventional financing, and were originally offered by FHA lenders to first-time home buyers with imperfect credit. Now, FHA loans are open to a wider audience, providing more flexibility in credit, income and equity. With a lower down payment requirement, as well as lower FHA mortgage rates, this is often a great option for first-time home buyers. They do include a Mortgage Insurance Premium (MIP), but a fixed rate FHA loan enables many homeowners who wouldn’t qualify for conventional financing to purchase or refinance a home.

VA Loans

As one of the largest VA mortgage lenders in the country, loanDepot is committed to offering special home loan programs to active military and veterans. These programs are guaranteed by the United States Department of Veterans Affairs (VA) and offer advantages not available to the general public. Specially trained VA loan consultants are on staff to provide you with current VA mortgage rates and help you take advantage of these programs.

HARP Loans

HARP is a federal program to help responsible, underwater and near underwater homeowners refinance their mortgages to a lower rate. Through HARP, homeowners that have loans owned by Fannie Mae or Freddie Mac on or before 5/31/09, and have been current on their mortgage payments, may qualify for special HARP refinance rates.

Manufactured Home Loans

Many lenders don’t offer mortgages on manufactured homes. Well, loanDepot does! If you’ve been thinking about purchasing or refinancing a manufactured home property, we can help you decide which loan option is best for you: fixed rate, adjustable rate, FHA, VA or HARP.

Home Equity Loans

The loanDepot Home Equity Loan is a fixed-rate second mortgage that gives you access to funds up to 90% of the loan-to- value equity you’ve built in your home. So if your equity is $100,000, you can borrow up to $90,000. Loans are available from $25,000 up to $250,000. It’s money you can use for just about any purpose.

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