We are a direct mortgage lender; You get low VA loan rates and fast approvals You can also search for 10/1, 7/1, 5/1 and 3/1 ARM mortgages. Future applicants must contact loanDepot directly via the website: www.loandepot.com/MyGuarantee or via telephone (877-395-7381) to qualify for the Guarantee. The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time. “Lender fees” do not include discount points associated with the loan transaction. There are time constraints for application: Note that time of service is not the only requirement that qualifies you for a VA loan. To view legal disclosures and important notices, please click the following: Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate. Best Features LoanDepot mortgages have a lifetime guarantee, which means if you ever decide to refinance an existing loanDepot loan, the company will waive the lender fees and reimburse appraisal fees. loanDepot personal loans – You can get between a $5,000 and $35,000 worth of … However, since many veterans have spent time overseas and have not always established credit, the VA reviews the entire loan profile holistically before making a determination based on a variety of other factors. Borrowers can also use VA loans in the following ways: VA cash-out refinance – A cash-out refinance is an excellent option if you are looking to pay off credit cards, consolidate debt, finance home improvements or pay off personal expenses. Adjustable-rate mortgages: loanDepot offers a wide selection of Interest rate caps are in place to limit how high the rate can go and down payments can be as small as 5%. Prospective homeowners and homeowners who want to refinance an existing loan have many options from which to choose. That's because the VA loan truly offers the most attractive package of benefits of just about any home loan available today. “Lender fees” do not include discount points associated with the loan transaction. This means that a qualifying veteran who is approved for a mortgage will not be asked to pay any money as a down payment. You cannot finance an investment property or vacation home with a VA loan. LoanDepot has a variety of loan options and a time-saving online application process, but rate shoppers won't be rewarded in a site search. Among them are VA loans. As previously mentioned, these government-backed loans come with significant benefits that help veterans purchase with zero or low minimum down payment and competitive VA mortgage rates. NMLS#174457 - NMLS Consumer Access Site opens in new window |, ©2009-2021 loanDepot.com, LLC   all rights reserved. Because its loan rates change daily, we can’t state what LoanDepot’s mortgage rates are at any given time. Future applicants must contact loanDepot directly via the website: www.loandepot.com/MyGuarantee or via telephone (877-395-7381) to qualify for the Guarantee. Act. loanDepot’s easy-to-use calculator puts you in charge of estimating your mortgage payment. Conventional loans feature no government guarantees and adhere to the standards and requirements of government-sponsored enterprises Fannie Mae and Freddie Mac. If you select this loan, you will refinance your current VA loan into another VA loan. loanDepot’s easy-to-use calculator puts you in charge of estimating your mortgage payment. Note that VA loans are for primary residences only. Starting Feb. 1, loanDepot cannot include any VA loans in Ginnie Mae I or Ginnie Mae II multi-issuer securities, an agency press release said. To view legal disclosures and important notices, please click the following: Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate. Purchase rates. The company does not publish a minimum VA loan credit score but does share a minimum 600 credit score for general loans. The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs and down payment assistance programs. The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time. Served 181 days of active service during peacetime. loanDepot Lifetime Guarantee ("Guarantee")  —  Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate. Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee. Although the VA mortgage is not offered directly through the Veterans Administration, the loans are partially guaranteed by the federal government. For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division. But I will NEVER do a mortgage through Loan Depot again. Act. loanDepot has an ample selection of fixed and adjustable rate VA loans for home purchase and refinance purposes. That is just 2% of the total VA loans written last year but loanDepot is consistently one of the fastest growing underwriters. No advertised mortgage rates. You can borrow between $25,000 and $250, 000 for a term of up to 15 years. America’s lender providing FHA, VA, Fixed Rate, ARM and Jumbo loan programs throughout Virginia. The great news is that most members of the regular military, veterans, reservists and National Guard may be eligible to apply for a VA loan. A free inside look at company reviews and salaries posted anonymously by employees. VA mortgage rates today can vary depending on a number of factors, and our licensed loan officers can answer your questions about purchase or refinance guidelines and current rates on VA loans. 199 loanDepot reviews. And certain veterans are exempt from paying the funding fee, including veterans who are receiving or are entitled to receive VA compensation for service-connected disabilities and surviving spouses of veterans who died in service. The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs and down payment assistance programs. Terms and conditions are subject to change without notice. Average home details. LoanDepot offers as low as 2.95% and as high as 4.056%. LoanDepot is another nationwide mortgage lender with a focus on online loans, though they have over 180 physical locations as well. Meet the loanDepot Glen Allen, VA team. 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. The Guarantee may only be used by submitting an application directly to loanDepot. Back in January, Ginnie Mae limited loanDepot to Ginnie Mae II custom pools for VA single-family guaranteed loans after the agency found that loanDepot’s prepayment speeds on VA … loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home. As with other government-insured home loans, the VA has specific property requirements. Purchasing a home is just one way to utilize the VA loan benefit. Your results will vary depending on your information, but you can find 10- and 20-year terms. The action comes as … loanDepot provides low fixed rate mortgage on home loans and refinance, including a 10 year, 15 year, 20 year or 30 year fixed rates. Adjustable rate mortgage Jumbo mortgage FHA mortgage VA mortgage 203k loan. Terms and restrictions apply. The VA no longer caps the size of a loan a veteran can get with no money down, however, loan approval is still determined by the lender issuing the mortgage. VA mortgage rates at loanDepot are not published. There is a range of APR offers available. Federal Housing Administration (FHA) loans and conventional loans with less than 20 percent down require PMI, which can add up substantially over the life of the loan. This rate is the best possible rate a borrower can obtain, and it usually hovers around 3.5 to 4 percent per loan. Refinance disclosure - By refinancing the existing loan, the total finance charges may be higher over the life of the loan. (Points include any origination, discount and lender fees.) Active-duty military personnel qualify after approximately six months of service. NMLS#174457 - NMLS Consumer Access Site opens in new window |, ©2009-2021 loanDepot.com, LLC   all rights reserved. Additionally, spouses of military members who died while on active duty or as the result of a service-connected disability may also apply. You get low VA loan rates and fast approvals, You get a mortgage that's right for you... not us, We are federally and state licensed in accordance with the federal government's S.A.F.E. A loanDepot loan consultant and the VA Eligibility Centerexternal link opens in new tab can provide more information for your specific eligibility. LoanDepot overview. On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time. The Guarantee may only be used by submitting an application directly to loanDepot. 1-10 of 479. The Irvine, Calif.-based lender remains an approved Ginnie Mae issuer and can still put VA loans in Ginnie Mae II custom pools and Federal Housing Administration and U.S. Department of Agriculture Rural Housing Service Loans in all eligible Ginnie … The U.S. Veterans Administration says that in 2015, loanDepot wrote 12,238 VA home loans worth $3.5 billion. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. The ability to redeem the Guarantee in part or in whole also is subject to future changes in Federal or state law, or investor or guarantor restrictions on refinancing the existing loan. Meet the loanDepot Fairfax, VA team. Served 90 consecutive days of active service during wartime. loanDepot's business model is simple – the company advertises its services on rate comparison websites such as RateZip.com, where consumers are able to compare offers from multiple mortgage lenders. loanDepot’s powerful savings tool will assess your options instantly. The VA essentially agrees to repay a portion of the loan to the bank if the borrower defaults or forecloses. Time to refinance? “Appraisal fee” includes only the fee associated with the first appraisal on the loan transaction and does not include any ancillary appraisal fees that may be charged in connection with the loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). They originate conventional adjustable and fixed-rate mortgages, government-backed FHA and VA loans, and Jumbo loans. As a VA mortgage lender approved by the Department of Veterans Administration, loanDepot is authorized to offer special home loan programs for active military and veterans. Find great Murrieta, CA mortgage lending professionals on Zillow like Lee Snyder of United Loan Center. LoanDepot ("loanDepot") is both an online and brick-and-mortar lender with more than 200 branches nationwide. Use tab key to navigate between radio buttons. The Department of Veterans Affairs (VA) does not lend money for VA loans, but does guarantee a portion of the loan made by private lenders such as banks and mortgage companies in case the borrower defaults on the mortgage. Compare Moprtgage Rates. Many times, loanDepot discloses the rate that it can offer a borrower up front. Fixed-rate mortgages: Fixed rate mortgages are available for 10, 15, 20, and 30 years with as little as 5% down. {{ productKicker }}: {{ formStep }} of {{ totalSteps }}. loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home. These are for reference only. (Points include any origination, discount and lender fees.) VA loans offer many benefits, including no down payment loan options, favorable interest rates, and more lenient credit and income requirements than conventional mortgages. LoanDepot is a direct lender and claims to have access to low-rate home loans, but you’ll have to go through the preapproval process to see what kinds of rates … loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home. Interest Rate Reduction Refinance Loan (IRRRL) – The Interest Rate Reduction Refinance loan enables existing VA loan holders the opportunity to get a lower interest rate. The fee can be financed into the loan and in some cases can be waived, for additional details visit our VA loan calculator. Unlike the no down payment feature of the VA loan, these enterprises require the conventional borrower to put down at least 3 percent down toward the purchase of the new home. VA mortgage rates today can vary depending on a number of factors, and our licensed loan officers can answer your questions about purchase or refinance guidelines and current rates on VA loans. You can get mortgage quotes online or by phone today. Reservists and members of the National Guard must wait six years to apply, but if you are called into active duty before that, you gain eligibility after 181 days of service. Homeowners can also refinance up to 100 percent of their home's value, or in some cases even higher. The company does claim that, as a direct lender, it has access to lower interest rates. The lower APRs were mostly limited to the 5/1 ARM offers. Whether you're just comparing VA mortgage loan rates or ready to get started on a loan, we can help make the process of refinancing or buying a home fast and easy. We don’t have rates available from loanDepot Mortgage. After obtaining the loan estimate, everything slowed way down. 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. While a VA mortgage's qualifying requirements are less strict than those for a conventional loan, an applicant still needs to have sufficient income to buy a home. However, we did get a sense of how loanDepot mortgage rates stack up by looking at average 30-year rates … loanDepot offers the following U.S. Department of Veterans Affairs loan programs: VA Purchase Loan: The VA’s Purchase Loan is similar to a traditional home loan, although it carries a much more competitive rate and minimal down payment options. You can search for options, including 30-, 20-, 15- and 10-year fixed. Beginning February 1, loanDepot will be restricted from including its Department of Veterans Affairs single-family loans in the Ginnie Mae guarantee pools. LoanDepot doesn’t offer home equity lines of credit (HELOCs) or home equity loans (HEloans). loanDepot Lifetime Guarantee ("Guarantee") — Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate. For future loans meeting the above requirements and which are successfully closed, the appraisal fee will be reimbursed at the closing of the loan transaction and no lender fees will be charged. Interest rates are consistently lower than APRs, sometime… For borrowers who … For future loans meeting the above requirements and which are successfully closed, the appraisal fee will be reimbursed at the closing of the loan transaction and no lender fees will be charged. You can get mortgage quotes online or by phone today. The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division. The VA does however charge a funding fee based on the borrower's type of U.S. service, loan amount, type of loan and down payment, among other factors. Recently, loanDepot did a makeover of their website. Visit Lee Snyder's profile on Zillow to read customer ratings and reviews. Individuals pictured may not be that of the endorsers and is for display purposes only. {{ productKicker }}: {{ formStep }} of {{ totalSteps }}. Use tab key to navigate between radio buttons. For VA homeowners, loanDepot also offers 100% VA cash-out loans, meaning they … Courtesy of loanDepot. loanDepot Lifetime Guarantee ("Guarantee")  —  Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate. Why Choose loanDepot? 0 0 0. In addition, conventional loans with a down payment of less than 20 percent require mortgage insurance that the borrower must purchase, which the VA loan requirements do not impose. The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs and down payment assistance programs. Please contact one of our Licensed Lending Officers at (888) 983-3240 for a customized rate and payment quote. For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. These programs are guaranteed by the VA and offer advantages not available to the general public. VA loans, which the U.S. Department of Veterans Affairs (VA) guarantees, are available only to U.S. military service people, veterans, some surviving military spouses and others who have served their country in specific ways. Refinance disclosure - By refinancing the existing loan, the total finance charges may be higher over the life of the loan. The ability to redeem the Guarantee in part or in whole also is subject to future changes in Federal or state law, or investor or guarantor restrictions on refinancing the existing loan. Since its founding, loanDepot has funded over $200+ billion loans. loanDepot is an approved VA mortgage lender offering low rates on VA home loans to refinance or buy a home, including cash out and streamline refinancing programs. Origination fees are flexible, commonly falling between 1% and 5%, depending on the loan grade. Unfortunately, adjustable rate mortgages aren’t ideal for every home buyer. The VA limits the closing costs lenders can charge to VA loan applicants. The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division. It is the fifth-largest mortgage lender in the nation, offering conventional fixed- and adjustable-rate mortgages, as well as HARP, Jumbo, FHA, VA… VA loans are generally a better deal than conventional or FHA mortgages for the eligible veterans, active military, and reservists who have earned access to this benefit through their service to our country. The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs and down payment assistance programs. VA loans do not require private mortgage insurance. How the Rates are Set. I obtained Loan Estimates in early October for a "streamlined" refinance of our VA loan (under IRRRL) from multiple lenders, including Loan Depot. loanDepot’s refinance mortgage options include FHA, VA and Conventional mortgage loans with a wide range of terms (fixed rate, adjustable rate, 30-years, 15-years, etc.). This allows lenders to offer loans at very competitive terms and interest rates in comparison to other types of mortgages. Specially trained VA loan consultants are on staff to provide you with current VA mortgage rates today and help you take advantage of these programs. The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division. On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Many years ago it was the sole responsibility of the Department of Veterans Affairs to set the interest rates on their mortgage loan programs. You get low VA loan rates and fast approvals, You get a mortgage that's right for you... not us, We are federally and state licensed in accordance with the federal government's S.A.F.E. If you're eligible for a VA loan, this type of home mortgage should definitely be on your short list of loans to consider. VA home loans can be used for: It’s important to note that eligible borrowers may only use VA loans for their primary residence. Have been an active member of the National Guard or Reserves for six years or more. The Guarantee may only be used by submitting an application directly to loanDepot. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. Average rates from other lenders. loanDepot’s powerful savings tool will assess your options instantly. They also offer jumbo loans, streamline refinance, and cash out refinance options for the construction or renovation of single-family homes, multi … “Appraisal fee” includes only the fee associated with the first appraisal on the loan transaction and does not include any ancillary appraisal fees that may be charged in connection with the loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). Shopping today's VA loan rates? Are married to a service member who died in the line of duty or as the result of a service-related disability. As of January 1, 2020, veterans and military service members no longer need to abide by the VA loan limits. Testimonial disclosure — Compensation was not paid in exchange for any testimonial on this site. What customers get in convenience, they loss in fees as loanDepot mortgages tend to charge higher rates. LoanDepot is a pioneer in digital mortgages, and a great choice for anyone looking for a short time-to-close. The VA funding fee (which helps the VA offer all the benefits of the VA loan program) can be financed into the loan, so you will not have to pay it upfront in cash. Another important piece of information: If you are eligible for a VA loan you can use the VA loan benefit over and over again on subsequent homes or when refinancing a VA loan into another VA loan – as long as each loan is repaid first, such as when a home is sold. Please contact one of our Licensed Lending Officers at (888) 983-3240 for a customized rate and payment quote. Time to refinance? The Guarantee may only be used by submitting an application directly to loanDepot. Money saved can be used for furniture, moving costs, home improvements or anything else. Just like conventional loans, VA loans are issued by private lenders, but they’re insured by the government. Individuals pictured may not be that of the endorsers and is for display purposes only. These types of rates are unheard of with conventional loans. Available Mortgage Types - 4.5 / 5. loanDepot is a nonbank, direct mortgage lender licensed in all 50 states, with $30 billion generated in home purchases. America’s lender providing FHA, VA, Fixed Rate, ARM and Jumbo loan programs throughout Virginia. Closing is normally done in a couple of days, and you don’t have to refinance your first mortgage. 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 initial contact with Loan Depot was painless and uneventful and I obtained a Loan Estimate on October 6 from LoanDepot.com, LLC. Terms and conditions are subject to change without notice. VA loans have no down payment requirement, so homebuyers can finance up to 100 percent of the purchase price of their home. loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home. After you establish eligibility, you will need to apply for Certificate of Eligibility (COE)external link opens in new tab through the U.S. Department of Veterans Affairs website. , depending on the loan Estimate, everything slowed way down pay any money as a down payment,. Offer advantages not available to the 5/1 ARM offers value, or in some cases even higher Veterans,. { formStep } }: { { totalSteps } } the initial contact with loan Depot was painless and and... 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