www.loandepot.com
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Submitted URL: http://www.barrykoven.com/
Effective URL: https://www.loandepot.com/loan-officers/bkoven
Submission: On February 05 via manual from US — Scanned from DE
Effective URL: https://www.loandepot.com/loan-officers/bkoven
Submission: On February 05 via manual from US — Scanned from DE
Form analysis 7 forms found in the DOM
GET /search
<form action="/search" id="searchform" class="searchbox ng-pristine ng-valid" method="get">
<input type="search" class="searchbox-input search-input focus-outline" onkeyup="toggleSearchSubmitButton();" id="q" name="q" value="" aria-label="Search Field" data-page-size="10" data-page-number="1"
data-context-info="{A6DD44F6-0FB2-491C-9BCD-DA9C8D9124AA}" placeholder="">
<button class="searchbox-submit external-search-button" type="submit" id="searchicon" aria-haspopup="true" aria-expanded="false" aria-label="Search loanDepot website">
<span class="sr-only">Search</span>
<i class="icn-search" aria-hidden="true"></i>
</button>
<span class="searchbox-icon"></span>
</form>GET /search
<form action="/search" id="searchform" class="mobileSearchbox searchMobile ng-pristine ng-valid" method="get">
<input type="text" class="mobile-search-input search-input focus-outline" placeholder="" id="qMobile" name="q" value="" aria-label="Search" data-page-size="10" data-page-number="1" data-context-info="{A6DD44F6-0FB2-491C-9BCD-DA9C8D9124AA}"
onkeyup="toggleSearchSubmitMobile();">
<button class="searchbox-submit external-search-button" type="submit" id="searchMobile" aria-haspopup="true" aria-expanded="false" aria-label="Search loanDepot website">
<span class="sr-only">Search</span>
<i class="icn-search"></i>
</button>
<span class="mobile-searchbox-icon"></span>
</form>HomePurchaseCalculator
<form id="PurchaseCalculator" data-qa="calcHomePurchase" action="HomePurchaseCalculator" class="ng-pristine ng-valid">
<div class="row calculator">
<div class="col-xs-12 col-md-6">
<div class="form-group">
<label for="Purchase_LoanAmount">Home Price</label>
<input class="currency-control form-control" data-a-dec="." data-a-pad="2" data-a-sep="," data-a-sign="$" data-qa="HomePrice" id="Purchase_LoanAmount" name="Purchase.LoanAmount" placeholder="Home Price" type="text" value="250000">
</div>
<div class="form-group">
<label for="Purchase_TermInYears">Loan Term</label>
<select class="form-control" data-qa="Terms" id="Purchase_TermInYears" name="Purchase.TermInYears">
<option value="40">40 Year</option>
<option selected="selected" value="30">30 Year</option>
<option value="20">20 Year</option>
<option value="15">15 Year</option>
<option value="10">10 Year</option>
</select>
</div>
<div class="form-group">
<label for="Purchase_InterestRate">Interest Rate</label>
<input class="percent-control form-control" data-a-dec="." data-a-sep="," data-a-sign="%" data-qa="InterestRate" id="Purchase_InterestRate" name="Purchase.InterestRate" type="text" value="3.5">
</div>
<div class="form-group">
<label for="Purchase_DownPaymentAmount">Down Payment</label>
<input class="currency-control form-control" data-a-dec="." data-a-pad="2" data-a-sep="," data-a-sign="$" data-qa="DownPayment" id="Purchase_DownPaymentAmount" name="Purchase.DownPaymentAmount" type="text" value="50000">
</div>
</div>
<div id="PurchaseEstimate" class="col-xs-12 col-md-6 text-xs-center results">
<p class="purple cal_title">Mortgage Estimate</p>
<p>Mortgage Amount</p>
<p class="output green display-amount cal_amount">$200,000</p>
<p>Total Cost of Mortgage</p>
<p class="output green display-amount cal_amount">$323,312</p>
<p>Your Monthly Payment *</p>
<p class="output purple display-amount cal_amount cal_amount_final">$898</p>
</div>
</div>
<div class="row">
<div class="col-xs-12 text-xs-center">
<p class="legal">* Monthly payments only include principal and interest and are not an offer to lend. Tax, insurance, and other fees may apply</p>
<p>
<input type="submit" id="SubmitPurchaseCalculator" value="Calculate" class="btn btn-alt btn-lg">
</p>
</div>
</div>
</form>RefinanceMortgageCalculator
<form id="RefinanceCalculator" data-qa="calcRefinance" action="RefinanceMortgageCalculator" class="ng-pristine ng-valid">
<!-- Update the qa attribute on all form elements to match the name attribute -->
<div class="row calculator">
<div class="col-xs-12 col-md-6">
<div class="form-group">
<label for="Refinance_CurrentBalance">Current Mortgage Balance</label>
<input class="currency-control form-control" data-a-dec="." data-a-pad="2" data-a-sep="," data-a-sign="$" data-qa="CurrentMonthlyBalance" id="Refinance_CurrentBalance" name="Refinance.CurrentBalance" placeholder="Current Balance" type="text"
value="250000">
</div>
<div class="form-group">
<label for="Refinance_CurrentMonthlyPayment">Current Monthly Payment</label>
<input class="currency-control form-control" data-a-dec="." data-a-pad="2" data-a-sep="," data-a-sign="$" data-qa="CurrentMonthlyPayment" id="Refinance_CurrentMonthlyPayment" name="Refinance.CurrentMonthlyPayment"
placeholder="Current Monthly Payment" type="text" value="1950">
</div>
<div class="form-group">
<label for="Refinance_CurrentInterestRate">Current Interest Rate</label>
<input class="percent-control form-control" data-a-dec="." data-a-sep="," data-a-sign="%" data-qa="CurrentInterestRate" id="Refinance_CurrentInterestRate" name="Refinance.CurrentInterestRate" placeholder="Current Interest Rate" type="text"
value="6.5">
</div>
<div class="form-group">
<label for="Refinance_NewInterestRate">New Interest Rate</label>
<input class="percent-control form-control" data-a-dec="." data-a-sep="," data-a-sign="%" data-qa="NewInterestRate" id="Refinance_NewInterestRate" name="Refinance.NewInterestRate" placeholder="New Interest Rate" type="text" value="3.5">
</div>
<div class="form-group">
<label for="Refinance_NewTerms">New Loan Term</label>
<select class="form-control" data-qa="NewTerms" id="Refinance_NewTerms" name="Refinance.NewTerms">
<option value="40">40 Year</option>
<option selected="selected" value="30">30 Year</option>
<option value="20">20 Year</option>
<option value="15">15 Year</option>
<option value="10">10 Year</option>
</select>
</div>
</div>
<div id="RefinanceEstimate" class="col-xs-12 col-md-6 text-xs-center results">
<p class="purple cal_title">Savings Estimate</p>
<p>New Monthly Payment *</p>
<p class="output green display-amount cal_amount">$1,123</p>
<p>Your Monthly Savings</p>
<p class="output purple display-amount cal_amount cal_amount_final">$827</p>
</div>
</div>
<div class="row">
<div class="col-xs-12 text-xs-center">
<p class="legal">* Monthly payments only include principal and interest and are not an offer to lend. Tax, insurance, and other fees may apply</p>
<p>
<input type="submit" id="SubmitRefinanceCalculator" value="Calculate" class="btn btn-alt btn-lg">
</p>
</div>
</div>
</form>Name: MessageForm — POST
<form id="MessageForm" name="MessageForm" method="post" autocomplete="on" class="ng-pristine ng-valid-mask ng-invalid ng-invalid-required ng-valid-maxlength ng-valid-email ng-valid-pattern" novalidate="">
<div class="alert-danger ng-hide ng-binding" ng-show="$globals.submitError != null"></div>
<input type="hidden" id="formID" name="FormID" value="{A80CDD49-22ED-4504-B3E1-AF41E70A6946}" autocomplete="off">
<input type="hidden" id="leadId" name="leadId" ng-model="$globals.leadId" autocomplete="off" class="ng-pristine ng-untouched ng-valid ng-empty">
<input type="hidden" id="itemID" name="itemID" value="{A6DD44F6-0FB2-491C-9BCD-DA9C8D9124AA}" autocomplete="off">
<input type="hidden" id="UniversalLeadId" name="UniversalLeadId" autocomplete="off" value="9EF532E7-BE47-326E-7947-93E9F4526B48">
<script type="text/javascript">
$(document).ready(function() {
if ($("#AssignedToOwnerEmail").length && $('#IsBranchForm').val()) {
$("#AssignedToOwnerEmail").val("bkoven@loandepot.com");
}
if ($('#IsBranchForm').val() && $("#tcpa").length) {
$('#contact-form p#tcpa-disclaimer').html($('#tcpa').val());
}
});
app.controller("LOBranchMessageController", ["$scope", "$injector", function($scope, $injector) {
var $ctrl = this;
$ctrl.formId = "{62CBA113-B9B8-4111-8B6B-84DFE3EC15DA}";
$scope.$parent.$on("leadValid", function(e, lead) {
$ctrl.loadedFromServer = lead.loadedFromServer;
assignObject($ctrl.model, $ctrl.model, lead);
});
$ctrl.states = states;
$ctrl.initialModel = {
FirstName: null,
LastName: null,
Email: null,
Mobile: null,
AssignedToOwnerEmail: null,
IsBranchForm: "true",
RecordTypeName: "Retail Mortgage",
TcpaOptIn: "true",
LoanTypeValues: [{
value: "Refinance",
text: "Refinance"
}, {
value: "Purchase",
text: "Purchase"
}],
LoanType: null,
Description: null,
Submit: "Message Me",
tcpa: "By submitting this form, you are authorizing loanDepot.com, LLC and its corporate parents, affiliates and partners to deliver or cause to be delivered to you (including through agents and authorized third-parties) telemarketing promotions for products or services in addition to those about which you are applying, but that may be of interest to you using an automatic telephone dialing system or an artificial or prerecorded voice and text messages to the phone numbers you provided above. You are not required to sign this agreement as a condition of purchasing any property, goods, or services.",
};
$ctrl.init = function() {
$ctrl.model = angular.copy($ctrl.initialModel);
if ($injector.has("formService")) {
$injector.get("formService").modelInitialized(this, $ctrl.model);
}
}
$ctrl.init();
}]);
</script>
<ng-form id="LOBranchMessageForm" name="LOBranchMessageForm" autocomplete="on" ng-controller="LOBranchMessageController as $simpleForm" ng-show="$globals.canShowForm('LOBranchMessageForm')"
class="ng-pristine ng-scope ng-valid-mask ng-invalid ng-invalid-required ng-valid-maxlength ng-valid-email ng-valid-pattern">
<div class="">
<div class="form-group">
<div class="row ">
<div class="col-md-6 col-lg-6 p16">
<label for="FirstName" id="lbl_FirstName">First Name *</label>
<input type="text" id="FirstName" class="form-control required ng-pristine ng-untouched ng-empty ng-invalid ng-invalid-required ng-valid-maxlength" required="" name="FirstName" ng-model="$simpleForm.model.FirstName" maxlength="40"
autocomplete="given-name">
<span role="alert" class="help-block ng-hide text-ruby-200" aria-invalid="true" ng-show="LOBranchMessageForm['FirstName'].$invalid && LOBranchMessageForm['FirstName'].$touched">Error: First Name Required</span>
</div>
<div class="col-md-6 col-lg-6 p16">
<label for="LastName" id="lbl_LastName">Last Name *</label>
<input type="text" id="LastName" class="form-control required ng-pristine ng-untouched ng-empty ng-invalid ng-invalid-required ng-valid-maxlength" required="" name="LastName" ng-model="$simpleForm.model.LastName" maxlength="60"
autocomplete="family-name">
<span role="alert" class="help-block ng-hide text-ruby-200" aria-invalid="true" ng-show="LOBranchMessageForm['LastName'].$invalid && LOBranchMessageForm['LastName'].$touched">Error: Last Name Required</span>
</div>
</div>
</div>
<div class="form-group">
<div class="row ">
<div class="col-md-6 col-lg-6">
<label for="Email" id="lbl_Email">Email *</label>
<input autocomplete="email" type="email" id="Email" class="form-control required ng-pristine ng-untouched ng-empty ng-valid-email ng-invalid ng-invalid-required ng-valid-pattern ng-valid-maxlength" required="" name="Email"
ng-model="$simpleForm.model.Email" maxlength="68"
ng-pattern="/^(?=.{1,254}$)(?=.{1,64}@)[-!#$%&'*+/0-9=?A-Z^_`a-z{|}~]+(\.[-!#$%&'*+/0-9=?A-Z^_`a-z{|}~]+)*@[A-Za-z0-9]([A-Za-z0-9-]{0,61}[A-Za-z0-9])?(\.[A-Za-z0-9]([A-Za-z0-9-]{0,61}[A-Za-z0-9])?)+$/">
<span role="alert" class="help-block ng-hide text-ruby-200" aria-invalid="true" ng-show="LOBranchMessageForm['Email'].$invalid && LOBranchMessageForm['Email'].$touched">Error: Email required</span>
</div>
<div class="col-md-6 col-lg-6">
<label for="Mobile" id="lbl_Mobile">Phone *</label>
<input autocomplete="tel" type="tel" id="Mobile" class="form-control required ng-pristine ng-untouched ng-valid-mask ng-empty ng-invalid ng-invalid-required" required="" name="Mobile" ng-model="$simpleForm.model.Mobile"
ui-mask="(999) 999-9999" ui-mask-placeholder="" ui-mask-placeholder-char="X" placeholder="(XXX) XXX-XXXX">
<span role="alert" class="help-block ng-hide text-ruby-200" aria-invalid="true" ng-show="LOBranchMessageForm['Mobile'].$invalid && LOBranchMessageForm['Mobile'].$touched">Error: Phone Required</span>
</div>
</div>
</div>
<div class="form-group">
<div class="row ">
<div class="">
<input type="hidden" id="AssignedToOwnerEmail" class="ng-pristine ng-untouched ng-valid ng-empty" name="AssignedToOwnerEmail" ng-model="$simpleForm.model.AssignedToOwnerEmail" autocomplete="off" value="bkoven@loandepot.com">
</div>
<div class="">
<input type="hidden" id="IsBranchForm" class="ng-pristine ng-untouched ng-valid ng-not-empty" name="IsBranchForm" ng-model="$simpleForm.model.IsBranchForm" value="true" autocomplete="off">
</div>
<div class="">
<input type="hidden" id="RecordTypeName" class="ng-pristine ng-untouched ng-valid ng-not-empty" name="RecordTypeName" ng-model="$simpleForm.model.RecordTypeName" value="Retail Mortgage" autocomplete="off">
</div>
<div class="">
<input type="hidden" id="TcpaOptIn" class="ng-pristine ng-untouched ng-valid ng-not-empty" name="TcpaOptIn" ng-model="$simpleForm.model.TcpaOptIn" value="true" autocomplete="off">
</div>
</div>
</div>
<div class="form-group">
<div class="row ">
<div class="col-md-12 col-lg-12 loantype-wrapper">
<label for="LoanType" id="lbl_LoanType">I'm looking for a</label>
<div class="form-radio" id="LoanType" role="radiogroup" aria-labelledby="rad_LoanType">
<fieldset>
<span class="sr-only" id="rad_LoanType">I'm looking for a</span>
<legend></legend>
<input type="radio" role="radio" id="RefinanceLoanType" class="ng-pristine ng-untouched ng-valid ng-empty" name="LoanType" ng-model="$simpleForm.model.LoanType" value="Refinance" aria-label="Refinance">Refinance <input type="radio"
role="radio" id="PurchaseLoanType" class="ng-pristine ng-untouched ng-valid ng-empty" name="LoanType" ng-model="$simpleForm.model.LoanType" value="Purchase" aria-label="Purchase">Purchase
</fieldset>
</div>
<span role="alert" class="help-block ng-hide text-ruby-200" aria-invalid="true" ng-show="LOBranchMessageForm['LoanType'].$invalid && LOBranchMessageForm['LoanType'].$touched"></span>
</div>
</div>
</div>
<div class="form-group">
<div class="row ">
<div class="col-md-12 col-lg-12">
<label for="Description" id="lbl_Description">Message</label>
<textarea id="Description" class="form-control ng-pristine ng-untouched ng-valid ng-empty ng-valid-maxlength" name="Description" ng-model="$simpleForm.model.Description" maxlength="31000" placeholder="How can I help you today?"
rows="10"></textarea>
<span role="alert" class="help-block ng-hide text-ruby-200" aria-invalid="true" ng-show="LOBranchMessageForm['Description'].$invalid && LOBranchMessageForm['Description'].$touched"></span>
</div>
</div>
</div>
<div class="form-group">
<div class="row ">
<div class="btn-cta-wrapper col-md-12">
<input class="button ng-pristine ng-untouched ng-valid ng-not-empty" id="Submit" type="submit" value="Message Me" ng-disabled="LOBranchMessageForm.$invalid|| $globals.isLoading()" ng-click="$globals.SubmitJson($event); " name="Submit"
ng-model="$simpleForm.model.Submit" data-track-button-click="true" data-mixpanel="true" data-adobe="true" data-action="Message Submit Button Clicked MBE" disabled="disabled">
</div>
</div>
</div>
<div class="form-group">
<div class="row ">
<div class="">
<input type="hidden" id="tcpa" class="ng-pristine ng-untouched ng-valid ng-not-empty" name="tcpa" ng-model="$simpleForm.model.tcpa"
value="By submitting this form, you are authorizing loanDepot.com, LLC and its corporate parents, affiliates and partners to deliver or cause to be delivered to you (including through agents and authorized third-parties) telemarketing promotions for products or services in addition to those about which you are applying, but that may be of interest to you using an automatic telephone dialing system or an artificial or prerecorded voice and text messages to the phone numbers you provided above. You are not required to sign this agreement as a condition of purchasing any property, goods, or services."
autocomplete="off">
</div>
</div>
</div>
</div>
</ng-form>
</form>Name: wizardForm —
<form class="wizard-steps ng-pristine ng-invalid ng-invalid-required ng-valid-pattern ng-valid-minlength ng-valid-maxlength ng-valid-email" name="wizardForm" novalidate="" ld-register-masks="">
<!--
Description: Product Selection
-->
<div class="not-step" data-step="1" data-step-name="mortgage-product">
<div class="col-xs-12 col-md-8 offset-md-2 col-lg-6 offset-lg-3 product-selection">
<h2 class="heading ng-binding" role="alert" id="loantype_rg"> What type of loan? <span class="sr-only">Use tab key to navigate between radio buttons.</span>
</h2>
<div class="card-options" role="radiogroup" aria-labeledby="loantype_rg">
<!-- ngRepeat: (cardName, card) in productCards --><a class="radio-card product purchase" ng-repeat="(cardName, card) in productCards" data-product="purchase" aria-label="Purchase Loan Option" ng-click="selectCard(card, productCards)" ng-class="{ 'selected': product === card.slug }" role="radio" tabindex="0" aria-checked="false" ng-keyup="($event.keyCode === 13 || $event.keyCode === 32) && selectCard(card, productCards)">
<div class="icon-wrapper">
<img ng-src="/Areas/LoanDepot/Images/icons/purchase.svg" alt="choose purchase loan product" src="/Areas/LoanDepot/Images/icons/purchase.svg">
<img ng-src="/Areas/LoanDepot/Images/icons/purchase-color.svg" alt="choose purchase loan product" aria-hidden="true" src="/Areas/LoanDepot/Images/icons/purchase-color.svg">
</div>
<div class="title ng-binding">Purchase</div>
<div class="checkbox">
<img width="100%" src="/Areas/LoanDepot/Images/icons/checkmark.svg" alt="Checkmark">
</div>
</a><!-- end ngRepeat: (cardName, card) in productCards --><a class="radio-card product refinance" ng-repeat="(cardName, card) in productCards" data-product="refinance" aria-label="Refinance Loan Option" ng-click="selectCard(card, productCards)" ng-class="{ 'selected': product === card.slug }" role="radio" tabindex="0" aria-checked="false" ng-keyup="($event.keyCode === 13 || $event.keyCode === 32) && selectCard(card, productCards)">
<div class="icon-wrapper">
<img ng-src="/Areas/LoanDepot/Images/icons/refinance.svg" alt="choose refinance loan product" src="/Areas/LoanDepot/Images/icons/refinance.svg">
<img ng-src="/Areas/LoanDepot/Images/icons/refinance-color.svg" alt="choose refinance loan product" aria-hidden="true" src="/Areas/LoanDepot/Images/icons/refinance-color.svg">
</div>
<div class="title ng-binding">Refinance</div>
<div class="checkbox">
<img width="100%" src="/Areas/LoanDepot/Images/icons/checkmark.svg" alt="Checkmark">
</div>
</a><!-- end ngRepeat: (cardName, card) in productCards -->
</div>
<div>
<button type="button" ng-click="goForward()" ng-disabled="!product" class="btn btn-primary ng-binding" disabled="disabled">Continue</button>
</div>
</div>
</div>
<!--
Description: Loan Officer
-->
<div class="not-step" data-step="2" data-step-name="loan-officer-question">
<div class="col-xs-12 col-md-8 offset-md-2 col-lg-6 offset-lg-0 loan-officer" aria-labelledby="loanofficer_question">
<p class="kicker ng-binding"></p>
<h2 class="heading ng-binding" role="alert" id="loanofficer_question">Are you currently working with anyone at loanDepot?</h2>
<p class="paragraph ng-binding">If you're already working with a loan officer, this will save you time by connecting you with the right person.</p>
<div class="two-button-group">
<button type="button" class="btn-ghost ng-binding" ng-click="openModal('#loan-officer', 'open')" ng-keyup="($event.keyCode === 13 || $event.keyCode === 32) && openModal('#loan-officer', 'open')"
ng-class="{'selected': loanOfficer === 'Yes'}" aria-label="Yes Option" tabindex="0">Yes</button>
<button id="selectLoanOfficerNo" type="button" class="btn-ghost g-recaptcha ng-binding" data-sitekey="6LcNOK4dAAAAANH4CTEP5p_KHJfDELhsqjkX94dW" data-callback="recaptchaNoCallback" data-size="invisible"
ng-class="{'selected': loanOfficer === 'No'}" aria-label="No Option">No</button>
</div>
</div>
</div>
<!--
Description: Zip Code
-->
<div data-step="3" data-step-name="zip-code" role="alert">
<div class="col-xs-12 col-md-8 offset-md-2 col-lg-6 offset-lg-0 zip-code">
<p class="kicker ng-binding">: of </p>
<h2 class="heading ng-binding" id="zipcode" role="alert">Where is the property located?</h2>
<div class="zip-field" aria-labelledby="zipcode">
<input type="text" class="form-control zipField ng-pristine ng-untouched ng-empty ng-invalid ng-invalid-required ng-valid-pattern ng-valid-minlength ng-valid-maxlength" name="zip" ng-model="form.zip" ng-minlength="5" ng-maxlength="5"
valid-zip-required="" required="" ng-pattern="/^\d{5}$/" placeholder="5-digit zip code" aria-label="5-digit zip code" aria-describedby="zipcode_digits" ng-change="getPostalData($event)"
ng-keyup="$event.keyCode === 13 && form.city && form.state && goForward()"
ng-class="{ 'complete': form.city && form.state, 'error': !wizardForm.zip.$error.minlength && !wizardForm.zip.$error.required && wizardForm.zip.$invalid }" maxlength="5">
<span class="city-state ng-binding ng-hide" ng-show="form.city && form.state">, </span>
<span id="zipcode_digits" role="alert" class="error-text ng-binding ng-hide" ng-show="!wizardForm.zip.$error.minlength && !wizardForm.zip.$error.required && wizardForm.zip.$invalid">Please enter a valid ZIP code to
continue.</span>
</div>
<div class="help-text ng-binding" ng-show="!form.city && !form.state"> Location is used to determine rates and allows us to connect you with a loan officer in your area. </div>
<button type="button" class="btn btn-primary ng-binding" ng-disabled="!form.city && !form.state && !form.zip.length" ng-click="goForward()" disabled="disabled">Continue</button>
</div>
</div>
<!--
Description: Finance Amount
-->
<div data-step="4" data-step-name="finance-amount">
<div class="col-xs-12 col-md-8 offset-md-2 col-lg-6 offset-lg-0 finance-amount" aria-labelledby="sliderLabel-global">
<p class="kicker ng-binding">: of </p>
<h2 class="heading" role="alert" id="sliderLabel-global">
<span ng-show="product === 'purchase'" class="ng-binding ng-hide"> What is the estimated purchase price? </span>
<span ng-show="product === 'refinance'" class="ng-binding ng-hide"> How much is remaining on your mortgage? </span>
</h2>
<div class="range-selector">
<div class="rzslider ng-isolate-scope" id="slider-global" rz-slider-model="slider.value" rz-slider-options="slider.options" aria-label="Remaining Mortgage Slider"><span class="rz-bar-wrapper"><span class="rz-bar"></span></span> <span
class="rz-bar-wrapper" style="visibility: hidden; width: 0px; left: 0px;"><span class="rz-bar rz-selection" ng-style="barStyle"></span></span> <span class="rz-pointer rz-pointer-min" ng-style="minPointerStyle" role="slider"
aria-valuenow="260000" aria-valuetext="$260,001 to 280,000" aria-valuemin="0" aria-valuemax="2000000" tabindex="0" aria-labelledby="sliderLabel-global" style="left: 0px;"></span> <span class="rz-pointer rz-pointer-max"
ng-style="maxPointerStyle" style="display: none;"></span> <span class="rz-bubble rz-limit rz-floor" style="visibility: hidden; left: 0px;">$1 to 20,000</span> <span class="rz-bubble rz-limit rz-ceil"
style="visibility: hidden; left: 0px;">$2,000,001 to 2,020,000</span> <span class="rz-bubble" style="visibility: visible; left: 0px;">$260,001 to 280,000</span> <span class="rz-bubble" style="visibility: hidden;"></span> <span
class="rz-bubble" style="visibility: hidden;"></span>
<ul ng-show="showTicks" class="rz-ticks ng-hide"><!-- ngRepeat: t in ticks track by $index --></ul>
</div>
<div class="limit-labels">
<div class="min ng-binding">$0</div>
<div class="max ng-binding">$2M+</div>
</div>
</div>
<div>
<button type="button" class="btn btn-primary ng-binding" ng-disabled="false" ng-click="goForward()">Continue</button>
</div>
</div>
</div>
<!--
Description: Down Payment (only applies to purchase journey)
-->
<div data-step="5" ng-class="{'not-step': product === 'refinance'}" data-step-name="down-payment">
<div class="col-xs-12 col-md-8 offset-md-2 col-lg-6 offset-lg-0 down-payment" aria-labelledby="downPaymentSliderLabel-global">
<p class="kicker ng-binding">: of </p>
<h2 class="heading ng-binding" role="alert" id="downPaymentSliderLabel-global">How much will you pay as your down payment?</h2>
<div class="range-selector">
<div class="rzslider ng-isolate-scope" id="downPaymentSlider-global" rz-slider-model="downPaymentSlider.value" rz-slider-options="downPaymentSlider.options" aria-label="Down Payment Slider"><span class="rz-bar-wrapper"><span
class="rz-bar"></span></span> <span class="rz-bar-wrapper" style="visibility: hidden; width: 0px; left: 0px;"><span class="rz-bar rz-selection" ng-style="barStyle"></span></span> <span class="rz-pointer rz-pointer-min"
ng-style="minPointerStyle" role="slider" aria-valuenow="20" aria-valuemin="0" aria-valuemax="100" tabindex="0" aria-labelledby="downPaymentSliderLabel-global" style="left: 0px;"></span> <span class="rz-pointer rz-pointer-max"
ng-style="maxPointerStyle" style="display: none;"></span> <span class="rz-bubble rz-limit rz-floor" style="visibility: hidden; left: 0px;">undefined</span> <span class="rz-bubble rz-limit rz-ceil"
style="visibility: hidden; left: 0px;">undefined</span> <span class="rz-bubble" style="visibility: visible; left: 0px;">undefined</span> <span class="rz-bubble" style="visibility: hidden;"></span> <span class="rz-bubble"
style="visibility: hidden;"></span>
<ul ng-show="showTicks" class="rz-ticks ng-hide"><!-- ngRepeat: t in ticks track by $index --></ul>
</div>
<div class="limit-labels">
<div class="min ng-binding">0%</div>
<div class="max ng-binding">100%</div>
</div>
</div>
<div class="loan-amount">
<div class="loan-amount-copy ng-binding"> Estimated Loan Amount </div>
<div class="loan-amount-value ng-binding"> $ </div>
</div>
<div>
<button type="button" class="btn btn-primary ng-binding" ng-disabled="false" ng-click="goForward()">Continue</button>
</div>
</div>
</div>
<!--
Description: Estimate Credit
-->
<div data-step="6" data-step-name="credit">
<div class="col-xs-12 col-md-8 offset-md-2 col-lg-7 offset-lg-0 estimate-credit">
<p class="kicker ng-binding">: of </p>
<h2 class="heading ng-binding" role="alert" id="credit-estimate"> How is your credit? <span class="sr-only">Use tab key to navigate between radio buttons.</span>
<!-- ngRepeat: (cardName, card) in creditCards --><span ng-repeat="(cardName, card) in creditCards" class="ng-scope">
<!-- ngIf: card.selected -->
</span><!-- end ngRepeat: (cardName, card) in creditCards --><span ng-repeat="(cardName, card) in creditCards" class="ng-scope">
<!-- ngIf: card.selected -->
</span><!-- end ngRepeat: (cardName, card) in creditCards --><span ng-repeat="(cardName, card) in creditCards" class="ng-scope">
<!-- ngIf: card.selected -->
</span><!-- end ngRepeat: (cardName, card) in creditCards --><span ng-repeat="(cardName, card) in creditCards" class="ng-scope">
<!-- ngIf: card.selected --><span ng-if="card.selected" class="sr-only ng-binding ng-scope">Excellent radio button checked</span><!-- end ngIf: card.selected -->
</span><!-- end ngRepeat: (cardName, card) in creditCards -->
</h2>
<div class="credit-cards" role="radiogroup" aria-labelledby="credit-estimate">
<!-- ngRepeat: (cardName, card) in creditCards --><a class="radio-card credit ng-scope" ng-repeat="(cardName, card) in creditCards" credit="" option"="" role="radio" ng-click="selectCard(card, creditCards)" ng-keyup="($event.keyCode === 13 || $event.keyCode === 32) && selectCard(card, creditCards)" ng-class="{ 'selected': card.selected || card.title === form.creditScore }" tabindex="0" aria-label="Poor" aria-checked="false">
<div class="copy">
<div class="title ng-binding">
Poor
</div>
<div class="description ng-binding">
≤619
</div>
</div>
<div class="checkbox">
<img width="100%" ng-src="/Areas/LoanDepot/Images/icons/checkmark.svg" alt="Checkmark" src="/Areas/LoanDepot/Images/icons/checkmark.svg">
</div>
</a><!-- end ngRepeat: (cardName, card) in creditCards --><a class="radio-card credit ng-scope" ng-repeat="(cardName, card) in creditCards" credit="" option"="" role="radio" ng-click="selectCard(card, creditCards)" ng-keyup="($event.keyCode === 13 || $event.keyCode === 32) && selectCard(card, creditCards)" ng-class="{ 'selected': card.selected || card.title === form.creditScore }" tabindex="0" aria-label="Fair" aria-checked="false">
<div class="copy">
<div class="title ng-binding">
Fair
</div>
<div class="description ng-binding">
620-679
</div>
</div>
<div class="checkbox">
<img width="100%" ng-src="/Areas/LoanDepot/Images/icons/checkmark.svg" alt="Checkmark" src="/Areas/LoanDepot/Images/icons/checkmark.svg">
</div>
</a><!-- end ngRepeat: (cardName, card) in creditCards --><a class="radio-card credit ng-scope" ng-repeat="(cardName, card) in creditCards" credit="" option"="" role="radio" ng-click="selectCard(card, creditCards)" ng-keyup="($event.keyCode === 13 || $event.keyCode === 32) && selectCard(card, creditCards)" ng-class="{ 'selected': card.selected || card.title === form.creditScore }" tabindex="0" aria-label="Good" aria-checked="false">
<div class="copy">
<div class="title ng-binding">
Good
</div>
<div class="description ng-binding">
680-719
</div>
</div>
<div class="checkbox">
<img width="100%" ng-src="/Areas/LoanDepot/Images/icons/checkmark.svg" alt="Checkmark" src="/Areas/LoanDepot/Images/icons/checkmark.svg">
</div>
</a><!-- end ngRepeat: (cardName, card) in creditCards --><a class="radio-card credit ng-scope selected" ng-repeat="(cardName, card) in creditCards" credit="" option"="" role="radio" ng-click="selectCard(card, creditCards)" ng-keyup="($event.keyCode === 13 || $event.keyCode === 32) && selectCard(card, creditCards)" ng-class="{ 'selected': card.selected || card.title === form.creditScore }" tabindex="0" aria-label="Excellent" aria-checked="true">
<div class="copy">
<div class="title ng-binding">
Excellent
</div>
<div class="description ng-binding">
720+
</div>
</div>
<div class="checkbox">
<img width="100%" ng-src="/Areas/LoanDepot/Images/icons/checkmark.svg" alt="Checkmark" src="/Areas/LoanDepot/Images/icons/checkmark.svg">
</div>
</a><!-- end ngRepeat: (cardName, card) in creditCards -->
</div>
<div class="help-text ng-binding"> Estimating your score will not harm your credit and will help us provide a range of available rates. </div>
<div>
<button type="button" class="btn btn-primary ng-binding" ng-disabled="!form.creditScore" ng-click="goForward()">Continue</button>
</div>
</div>
</div>
<!--
Description: First and Last Name
-->
<div data-step="7" data-step-name="name">
<div class="col-xs-12 col-md-8 offset-md-2 col-lg-6 offset-lg-0 first-last-name">
<p class="kicker ng-binding">: of </p>
<h2 class="heading ng-binding" role="alert" id="loan_for">Who is the loan for?</h2>
<input class="form-control ng-pristine ng-untouched ng-empty ng-invalid ng-invalid-required ng-valid-minlength" type="text" name="firstName" placeholder="First Name" required="" aria-label="First Name" aria-labelledby="loan_for"
aria-invalid="false" autocapitalize="words" ng-model="form.firstName" minlength="1" ng-keyup="$event.keyCode === 13 && wizardForm.firstName.$valid && wizardForm.lastName.$valid && goForward()">
<input class="form-control ng-pristine ng-untouched ng-empty ng-invalid ng-invalid-required ng-valid-minlength" type="text" name="lastName" placeholder="Last Name" required="" aria-label="Last Name" aria-labelledby="loan_for"
aria-invalid="false" autocapitalize="words" ng-model="form.lastName" minlength="1" ng-keyup="$event.keyCode === 13 && wizardForm.firstName.$valid && wizardForm.lastName.$valid && goForward()">
<div class="help-text ng-binding" ng-show="wizardForm.firstName.$invalid || wizardForm.lastName.$invalid"> You'll have a chance to add a co-borrower at a later time, if you like. </div>
<div>
<button type="button" class="btn btn-primary ng-binding" ng-disabled="wizardForm.firstName.$invalid || wizardForm.lastName.$invalid" ng-click="goForward()" disabled="disabled">Continue</button>
</div>
</div>
</div>
<!--
Description: Phone Number
-->
<div data-step="8" data-step-name="phone-number">
<div class="col-xs-12 col-md-8 offset-md-2 col-lg-6 offset-lg-0 phone-number">
<p class="kicker ng-binding">: of </p>
<h2 class="heading ng-binding" role="alert" id="phone-number">Where can we reach you?</h2>
<input class="form-control phoneField ng-pristine ng-untouched ng-empty ng-invalid ng-invalid-required ng-valid-pattern ng-valid-maxlength" type="tel" name="phone" placeholder="Phone" ng-pattern="/^(\([0-9]{3}\) |[0-9]{3}-)[0-9]{3}-[0-9]{4}$/"
required="" aria-label="Phone" aria-labelledby="phone-number" aria-invalid="false" maxlength="14" ng-model="form.phone" ng-keyup="$event.keyCode === 13 && wizardForm.phone.$valid && goForward()">
<div class="help-text ng-binding" ng-show="wizardForm.phone.$invalid"> We'll use this number to connect you with a loan officer in your area. It will not be shared or sold. </div>
<div>
<button type="button" class="btn btn-primary" ng-disabled="wizardForm.phone.$invalid" ng-click="goForward()" disabled="disabled">Continue</button>
</div>
</div>
</div>
<!--
Description: Email Address
-->
<div data-step="9" data-step-name="email">
<div class="col-xs-12 col-md-8 offset-md-2 col-lg-6 offset-lg-0 email-address">
<p class="kicker ng-binding">: of </p>
<h2 class="heading ng-binding" role="alert" id="email-address">What's your email?</h2>
<input class="form-control ng-pristine ng-untouched ng-empty ng-valid-email ng-invalid ng-invalid-required ng-valid-pattern" type="email" name="email" placeholder="Email" ng-model="form.email" required="" aria-label="Email"
aria-labelledby="email-address" aria-invalid="false" ng-pattern="/^(([^<>()\[\]\\.,;:\s@"]+(\.[^<>()\[\]\\.,;:\s@"]+)*)|(".+"))@((\[[0-9]{1,3}\.[0-9]{1,3}\.[0-9]{1,3}\.[0-9]{1,3}])|(([a-zA-Z\-0-9]+\.)+[a-zA-Z]{2,}))$/"
ng-keyup="$event.keyCode === 13 && wizardForm.email.$valid && goForward(null, true)" ng-blur="wizardForm.email.$valid && goForward()">
<div class="help-text ng-binding" ng-show="wizardForm.email.$invalid"> We are committed to protecting your personal information. We only use this information to contact your regarding your inquiry. </div>
<div>
<button id="btn-wizard-submit" type="button" class="btn btn-primary ng-binding" ng-disabled="wizardForm.email.$invalid" ng-click="goForward(null, true)" disabled="disabled">See If I'm Approved</button>
</div>
</div>
</div>
<!-- Loader to display after submit -->
<div class="loading ng-hide" ng-show="isLoading" style="z-index: 1;">
<i class="fa fa-spinner fa-spin fa-3x" aria-hidden="true" style="color: #501283"></i>
</div>
<!-- Mobile Back Button -->
<a class="col-xs-12 wizard-back-button mobile ng-hide" ng-hide="step === 1" ng-click="goBack()" ng-keyup="($event.keyCode ===13 || $event.keyCode === 32) && goBack()" aria-label="Back" tabindex="0">
<div class="btn-text">Back</div>
</a>
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</a>
<!-- Disclaimer(s) -->
<div class="col-xs-12 col-md-8 offset-md-2 col-lg-6 offset-lg-3 ng-hide" ng-show="step === 8">
<p class="disclaimer phone ng-binding"> By clicking "continue", you are authorizing loanDepot.com, LLC and its corporate parents, affiliates and partners to deliver or cause to be delivered to you (including through agents and authorized
third-parties) telemarketing promotions for products or services in addition to those about which you are applying, but that may be of interest to you using an automatic telephone dialing system or an artificial or prerecorded voice and text
messages to the phone numbers you provided above. You are not required to sign this agreement as a condition of purchasing any property, goods, or services. </p>
</div>
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Chairman's Elite
BARRY KOVEN
Branch Manager / Renovation Specialist · NMLS: 404510
Apply Now Opens in a new window Contact Me
Knowledge Cafe
5 reasons to Refinance right now
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Comparing Home Loan Options
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Our Process
WHAT TO EXPECT
We understand that purchasing a home is one of the biggest purchases in a
lifetime. We've streamlined our process to ensure that the experience of
obtaining your mortgage is as smooth and stress-free as possible. Typically,
once the loan documents are signed and delivered back to us, you’ll receive your
funding in 5 to 7 days!
Step 1
Apply online
Step 2
Connect & verify documents
Step 3
Contact your loan officer & lock your rate
Step 4
Loan closes & funding is received!
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‹ ›
Client Testimonials
WHY WE SHOULD WORK TOGETHER
"Knowledgeable staff who answered our questions with confidence. They knew what
they were doing."
Vivian G.
"Immediately from the onset of the online application the experience was
pleasurable and professional."
Daniel Q.
"loanDepot helped my wife and I purchase our retirement home. Being on a fixed
budget, our loan officer took that into consideration and help us choose the
right loan for our needs. Great customer service!"
David T.
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* About Barry
* Mortgage Education Videos
* Customer Reviews
ABOUT
ABOUT BARRY
As a producing Branch Manager with 15 years of Experience and ranked in the Top
1% of Mortgage Originators in America, Barry is dedicated to helping his clients
get the right mortgage with THEIR best interest in mind. He is equally as
excited to help his team increase their business with sales & marketing support,
efficiency coaching and planning, the best technology as well as dedicated
underwriters and processors so they can sell.
Barry prides himself and is known for his unique holistic customer centric
approach, as well as extensive product knowledge, professionalism and integrity.
Barry is proficient with all real estate financing including High End Jumbo
Mortgages. condos, coops, single and multi-family homes as well as Renovation
Loans, Foreign Buyers and Doctor programs. Working at the nation’s leading
publicly traded non-bank lending institutions with over 15 investors allows
Barry to finance many different types of real estate transactions even the out
of the box situations.
Barry’s passion and desire to help people make their homeownership dreams a
reality is evident on every transaction. Customer service and loyalty have
always been a top priority, which has enabled Barry to be an extremely
successful top producer in his marketplace for over 15 years.
Renovation/Construction financing is what Barry refers to as “The best kept
secret in the mortgage industry”. This product allows one to borrow the funds
for both the purchase and renovations of a home or to fix up a home already
owned.
Prior to his highly successful mortgage career, Barry spent over 20 years in the
music business achieving great success ending up as the Senior Vice President of
National Sales at one of the largest and most innovative record labels TommyBoy
Music / Warner Music Group where he was responsible for the sales and marketing
of many gold and multi-platinum recording artists.
Barry lives in Brooklyn NY with his wife of over 25 years and could not be more
proud of his 2 adult children Nina and Nicholas.
loanDepot.com, LLC NMLS ID 174457. Licensed Mortgage Banker - NYS Department of
Financial Services No. 109061
NJ | NY | CT LIC# LO-404510 | PA LIC# 70437 | FL LIC# LO62575
MORTGAGE EDUCATION VIDEOS
MORTGAGE EDUCATION VIDEOS
Comparing Home Loan Options 1:39
Read Transcript Link opens in a tab
Why Credit Matters 1:21
Read Transcript Link opens in a tab
30-Year Fixed Rate Mortgage 1:03
Read Transcript Link opens in a tab
15-Year Fixed Rate Mortgage 1:22
Read Transcript Link opens in a tab
Cash-Out Refinance 0:36
Read Transcript Link opens in a tab
Renovation Financing 1:00
Read Transcript Link opens in a tab
CUSTOMER REVIEWS
REVIEWS
2 Reviews
* 05/23/2019
BellaY from Brooklyn , NY via Zillow
Barry was amazing to work with. He was referred to me by my agent for two
different deals. Barry took his time explaining every detail of every
possible loan that I was eligible for. He answered every phone call and even
called me on a weekly basis to share the progress of their loan. Barry is a
hardworking and dedicated loan officer! I would highly recommend him to all
my friends.
* 03/20/2012
Brooklyn , NY via Zillow
Barry specializes in 203K loans. If you don't what these are - learn about
them as quickly as you can. Barry is just incredible. He helped us with our
203K loan to buy and gut renovate our home in 2011. It took us nearly 2 years
to find a place and a lot of our deals fell through but Barry was very
patient and ran through the numbers for us on every house that we wanted to
make an offer on. His follow-up and dilligence is fantastic and he went above
and beyond his responsibilities that allowed us to close on a fairly
complicated process in less than 3 months. I have since recommended him to
two other friends and he has come through for both of them.
Calculators
CALCULATE YOUR PAYMENT
Crunch your own numbers with our mortgage calculators. Run as many different
scenarios as you’d like to see how much home you can afford.
* Purchase Calculator
* Refinance Calculator
Use this mortgage loan calculator to generate a mortgage estimate. Press the
"Calculate" button to find out.
Home Price
Loan Term 40 Year 30 Year 20 Year 15 Year 10 Year
Interest Rate
Down Payment
Mortgage Estimate
Mortgage Amount
$200,000
Total Cost of Mortgage
$323,312
Your Monthly Payment *
$898
* Monthly payments only include principal and interest and are not an offer to
lend. Tax, insurance, and other fees may apply
Use this mortgage loan calculator to generate a savings estimate. Press the
"Calculate" button to find out.
Current Mortgage Balance
Current Monthly Payment
Current Interest Rate
New Interest Rate
New Loan Term 40 Year 30 Year 20 Year 15 Year 10 Year
Savings Estimate
New Monthly Payment *
$1,123
Your Monthly Savings
$827
* Monthly payments only include principal and interest and are not an offer to
lend. Tax, insurance, and other fees may apply
CONTACT BARRY
Barry Koven
Brooklyn Branch
Direct:
Cell:
Fax:
Email:
loan officer phone number (718) 907-7420
loan officer mobile number (917) 597-1330
(718) 504-4096
loan officer email address bkoven@loandepot.com
×
Thank you
I'll be in touch shortly, and look forward to helping you find the right loan to
fit your needs.
Close
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applying, but that may be of interest to you using an automatic telephone
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WHAT IS THE ESTIMATED PURCHASE PRICE? HOW MUCH IS REMAINING ON YOUR MORTGAGE?
$1 to 20,000 $2,000,001 to 2,020,000 $260,001 to 280,000
$0
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: of
HOW MUCH WILL YOU PAY AS YOUR DOWN PAYMENT?
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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 Guarantee also does not apply to loans applied for through third
parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale
division. The Guarantee may only be used by submitting an application directly
to loanDepot.
For Guarantees issued on or after January 1, 2019, the Guarantee may not be
redeemed within 12 calendar months of the Date Issued. 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. 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. The borrower’s ability to qualify for a future loan will be subject to the
loan program terms and conditions available at that time. 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. “Lender fees” do not include discount points associated with
the loan transaction. “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.). Terms and conditions are subject to change without
notice.
Future applicants must contact loanDepot directly via the website:
www.loandepot.com/MyGuarantee or via telephone (877-395-7381) to qualify for the
Guarantee. Applying for a loanDepot loan indirectly through a third party (e.g.,
LendingTree) makes the borrower ineligible for this Guarantee.
Disclaimers
Disclaimers
Testimonial disclosure — Compensation was not paid in exchange for any
testimonial on this site. Individuals pictured may not be that of the endorsers
and is for display purposes only.
Refinance disclosure - By refinancing the existing loan, the total finance
charges may be higher over the life of the loan.
TX Consumer Complaint Disclosure
IL Community Reinvestment Act Notice
TX Servicing Disclosure
NY Servicing Disclosure
Rate Assumptions
Rate Assumptions
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 Annual Percentage Rate (APR) is
based on the loan amount 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 Licensed Lending Officers
at (888) 983-3240 for a customized rate and payment quote.
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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 and down payment assistance
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. The Guarantee may only be used by submitting an application directly
to loanDepot.
For Guarantees issued on or after January 1, 2019, the Guarantee may not be
redeemed within 12 calendar months of the Date Issued. 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. 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. The borrower’s ability to qualify for a future loan will be subject to the
loan program terms and conditions available at that time. 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. “Lender fees” do not include discount points associated with
the loan transaction. “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.). Terms and conditions are subject to change without
notice.
Future applicants must contact loanDepot directly via the website:
www.loandepot.com/MyGuarantee or via telephone (877-395-7381) to qualify for the
Guarantee. 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. Individuals pictured may not be that of the endorsers
and is for display purposes only.
Refinance disclosure - By refinancing the existing loan, the total finance
charges may be higher over the life of the loan.
TX Consumer Complaint Disclosure
IL Community Reinvestment Act Notice
TX Servicing Disclosure
NY Servicing Disclosure
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 Annual Percentage Rate (APR) is
based on the loan amount 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 Licensed Lending Officers
at (888) 983-3240 for a customized rate and payment quote.
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Barry Koven
Branch Manager / Renovation Specialist
NMLS: 404510
Loan Officer phone number (718) 907-7420
Email Me
Loan Officer address opens google map in new window
407 Atlantic Ave
Brooklyn, NY 11217