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Accessible View Find an Expert Find a Loan Officer Find a Branch Loans Home Refinance Home Purchase mello smartloan Home Builders Joint Ventures Community Knowledge Cafe Blog About Overview Mission and Values Leadership Careers Contact Us Pay My Bill Trouble Making Payments (888) 983-3240 Sign In APPLY NOW Find an Expert Find a Loan Officer Find a Branch Loans Home Refinance Home Purchase mello smartloan Home Builders Joint Ventures Community Knowledge Cafe Blog About Overview Mission and Values Leadership Careers Contact Us Pay My Bill Trouble Making Payments Sign In (888) 983-3240 APPLY NOW Search for... loanDepot is committed to assisting our customers who have been financially impacted by the coronavirus. Click here to learn more. Simple. Secure. Smart. Applying for a mortgage shouldn't be complicated. With mello smartloan™, it's not. Find out if you're approved in a matter of minutes! Refinance Home Purchase Skip the paperwork With mello smartloan™, we can digitally verify your income, employment and asset information, ensuring a seamless, secure transaction. Skip the appraisal Our loan officers can quickly determine the best loan for you–oftentimes not requiring an appraisal, which can save you hundreds of dollars! Skip the waiting Thanks to mello smartloan™, you could be cleared to close in as few as eight days*. But don't worry, you can set the closing that best suits your needs. Real Solutions to Power your Life COVID-19 Response loanDepot is committed to assisting our customers who may find themselves impacted by COVID-19. Click to learn how we can help. Find Out More mello smartloan™ Applying for a mortgage shouldn't be complicated. Now it's not. Introducing mello smartloan™, the SMART way to mortgage. Find Out More Find an Expert Let us help you find a loan consultant that’s right for you. Find an Expert Find a Branch Find a branch near you We may be national in scope, but we’re very local in our approach. Great service is just around the corner. Find a Branch Dedicated to Borrowers Nationwide We may be national in scope, but we’re very local in our approach. Great service is just around the corner with helpful mortgage information and valuable resources to make buying your home quick and easy! $100 B Consumer Loans Funded $70 B Mortgages Refinanced $30 B New Home Purchase 200 + Locations Nationwide What Our Customers Are Saying * David M. Refinance "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." Mark S. Buying a House "loanDepot did a great job helping me buy my first home. The paperwork was all electronic and all my questions were answered in minutes. They have the lowest APR I found anywhere!" Merry B. Refinance "I received great service from loanDepot. Everything was communicated in a professional and timely manner and with a courteous attitude." Jenifer P. Refinance "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." Jessica R. Buying a House "Fast, excellent service, and very efficient. I was looking for a 15yr fixed rate loan to replace my 30yr ARM. Best decision we ever made was going with loanDepot, they are the best." Steven M. 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." Connect with America’s Lending Experts Today! Refinance Home Purchase Recommended Reading Catch the latest industry changes, get the 4-1-1 on mortgage basics, and keep up with the latest news from loanDepot and partners. 5 smart ways to help you get ahead financially in the New Year Conforming loan limits increase by $26,050 to $510,400 for 2020 Weatherproofing Your Home Can Help You Save Money and Prevent Expensive Repairs Learn more in our Knowledge Cafe {{ productStep.heading }} {{ card.title }} {{ productStep.buttonText }} {{ productKicker }} {{ loanOfficerStep.heading }} {{ loanOfficerStep.paragraph }} {{ loanOfficerStep.yesButtonText }} {{ loanOfficerStep.noButtonText }} {{ productKicker }}: {{ formStep }} of {{ totalSteps }} {{ zipStep.heading }} {{ form.city }}, {{ form.state }} {{ zipStep.errorText }} {{ zipStep.helpText }} {{ zipStep.buttonText }} {{ productKicker }}: {{ formStep }} of {{ totalSteps }} {{ financeAmountStep.purchaseHeading }} {{ financeAmountStep.refinanceHeading }} {{ financeAmountStep.limitLabelMin }} {{ financeAmountStep.limitLabelMax }} {{ financeAmountStep.buttonText }} {{ productKicker }}: {{ formStep }} of {{ totalSteps }} {{ downPaymentStep.heading }} {{ downPaymentStep.limitLabelMin }} {{ downPaymentStep.limitLabelMax }} {{ downPaymentStep.loanAmountCopy }} ${{ formattedLoanAmount }} {{ downPaymentStep.buttonText }} {{ productKicker }}: {{ formStep }} of {{ totalSteps }} {{ creditScoreStep.heading }} {{ card.title }} {{ card.description }} {{ creditScoreStep.helpText }} {{ creditScoreStep.buttonText }} {{ productKicker }}: {{ formStep }} of {{ totalSteps }} {{ nameStep.heading }} {{ nameStep.helpText }} {{ nameStep.buttonText }} {{ productKicker }}: {{ formStep }} of {{ totalSteps }} {{ phoneStep.heading }} {{ phoneStep.helpText }} Continue {{ productKicker }}: {{ formStep }} of {{ totalSteps }} {{ emailStep.heading }} {{ emailStep.helpText }} {{ emailStep.buttonText }} Back {{ phoneDisclaimer.copy }} {{ restartModalCopy.subheading }} {{ restartModalCopy.paragraph }} {{ restartModalCopy.noButtonText }} {{ restartModalCopy.noButtonText }} {{ restartModalCopy.yesButtonText }} {{ closeModalCopy.subheading }} {{ closeModalCopy.paragraph }} {{ closeModalCopy.noButtonText }} {{ closeModalCopy.noButtonText }} {{ closeModalCopy.yesButtonText }} {{ loanOfficerModalCopy.subheading }} {{ loanOfficerModalCopy.paragraph }} {{ loanOfficerModalCopy.noButtonText }} {{ loanOfficerModalCopy.noButtonText }} {{ loanOfficerModalCopy.yesButtonText }} instagram facebook twitter YouTube LinkedIn Mortgage Types State Licensing Privacy & Security Terms of Use Accessibility Home Refinance Home Refinance Refinance Rates Refinance Calculator Cash Out Refinance Reasons to Refinance Refinance FAQs Refinance Process Home Purchase Home Purchase Home Loan Rates Home Loan Calculator House Buying Questions How To Buy a House Mortgage Pre-Approval Mortgage Calculator Mortgage Calculator Compare Mortgage Rates ARM vs Fixed Calculator FHA Loan Calculator Interest Savings Calculator Jumbo Loan Calculator Affordability Calculator Rent vs Buy Calculator VA Loan Calculator Loan Options Loan Options Adjustable Rate Mortgage Fixed Rate Mortgage FHA Loan HARP Loan Jumbo Loan VA Loan 203k Loan Lifetime Guarantee About loanDepot About loanDepot Leadership Contact Us Pay My Bill Trouble Making Payments Mission and Values Careers Become a Vendor Unsubscribe To view legal disclosures and important notices, please click the following: To view legal disclosures and important notices, please click the following: Lifetime Guarantee Disclaimers Rate Assumptions 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. 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, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The Guarantee also does not apply to loans applied for through third parties (e.g....