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Insured by the Federal Housing Administration (FHA), these loans are government-assisted alternatives to conventional financing, and were originally offered for first-time home buyers with imperfect credit. Now, FHA loans are open to a wider audience, and are even popular options for homeowners looking to refinance.
Overall, FHA loans provide more flexibility in credit, income, and equity/down payment requirements, and are great alternatives to conventional loans. They do include a Mortgage Insurance Premium (MIP), as well as monthly mortgage insurance, but FHA loans still enable many homeowners who wouldn’t qualify for conventional financing to purchase or refinance a home.
My experience with Loan Depot was fantastic... Right off the bat Rob worked with me to get the best rate, was very responsive and great to work with. Kim was amazing, helping me through the maze of paperwork and coaching me through the process and was always professional and friendly to work and talk with... Thanks again Rob and Kim! Next time I refi or am looking for a loan - Loan Depot will my first choice!
Talking to a licensed mortgage banker is an important step to getting the right mortgage loan. Everybody has different loan needs and a mortgage banker knows which questions to ask in order to best match you with the right loan and monthly payment. Since we have a strict No Steering policy, you can be assured that the loan option suggested to you will fit your needs.
The mortgage banker will also explain all the steps–from getting started, to locking in your low rate, to closing your loan in less than 30 days. Because we are a direct lender, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.
By submitting this form, I authorize loanDepot to contact me at the phone number provided, even if that number is ported to a wireless line, in order to further pursue my mortgage loan application. I understand that loanDepot may contact me through the use of an automatic telephone dialing system.
Talk to a licensed mortgage banker who can answer all your questions, quote rates and find your best loan.
Apply with our online application. View and lock in your rate online, all from the convenience of your home
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* Rate displayed 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 reserve 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 1-888-337-6888 for a customized rate and payment quote.
**Refinancing within the 60 month period is conditional on whether the program type
or applicable state/federal laws contain “seasoning” restrictions that would make
refinancing during a specific period illegal. For example, waiting until after the
12th month, but before the 60th month may be required. 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 value at that time must be acceptable for the program and loan
terms you request. 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.
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