Special Offers

Rate buydown funds may come from sellers or borrowers and are subject to interested party contribution limitations. A buydown will lower your interest rate for the time period selected, up to two years. If you select a 2-year buydown, your interest rate will decrease by 2.0% for the first year and 1.0% for the second year. After the expiration of the buydown your rate will no longer be discounted, and your payment will increase. Borrower paid buydowns will require you to pay money upfront in return for the temporary lower interest rate. Seller buydowns are not available from all sellers; potential buyers will need to work with the seller to determine if the buydown is an option. loanDepot.com, LLC cannot guarantee a seller, or any other party will offer a rate buydown. Other limitations apply. This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Loans are subject to credit and property approval. [PAYMENT/RATE] example based on a 30-year fixed rate mortgage with an initial balance of $366,700. Down Payment: 3.5X%. Upfront Mortgage Insurance 1.75% ($6,417.25). Interest Rate: 4.99%. APR: 5.402%. Assumes minimum FICO of 620 and a maximum loan-to-value ratio of 96.50% on an owner-occupied single-family residence. Costs calculated in APR include lender fees, all 3rd-party fees and prepaid items. Subject to qualifications. Loan limits may apply. Interest rates and APRs are current as of 11/08/2025 and are subject to change daily without notice. Actual rates available to you may vary based upon a number of factors including your credit rating, size of down payment and other factors. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater. This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Loans are subject to credit and property approval. Not all products are available in all areas. Other limitations apply. Rates, terms and availability of programs are subject to change without notice. 4.99% example based on a30 year fixed rateFHA mortgage with an initial balance of $364,133 with paying 0.0% discount points. Down Payment: 3.50%. Upfront Mortgage Insurance 1.75% (S6,372). Interest Rate: 4.99%. Annual Percentage Rate (APR):5.526% Assumes minimum FICO of620 and a maximum loan- to-value ratio of 96.50% on an owner-occupied single family residence. Costs calculated in APR include lender fees, all 3rd-party fees and prepaid items. Subject to qualification. Loan limits may apply. Interest rates and APRs are current as of 11/08/25 and are subject to change daily without notice. Actual rates available to you may vary based upon a number of factors including your credit rating, size of down payment and other factors. Some offers cannot be combined with other discounts or promotions. This offer expires 12/05/2025. | loanDepot.com, LLC is not acting on behalf of or at the direction of HUD/FHA or the federal government. | This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Loans are subject to credit and property approval. Not all products available in all areas. Other limitations apply. Rates, terms and availability of programs are subject to change without notice. | This is an advertisement, loanDepot and Hartizen Homes are not affiliated. loanDepot.com, LLC. All rights reserved. NMLS ID #174457 (www.nmlsconsumeraccess.org/). For more licensing information, please visit www.loanDepot.com/licensing. (091225 173041-0410) Equal Housing Opportunity Equal Housing Lender. See Sales and Marketing Representative for complete details. Restrictions apply. Must sign purchase agreement on or before 12/5/25 and close by 12/31/25.