1 HELOC $215 rate/APR and payment example is based on a 30-year adjustable rate Home Equity Line of Credit with an initial principal balance of $35,000. The initial interest rate would yield a principal and interest payment of $253.77. The monthly principal and interest payment based on the maximum interest rate/APR would yield a payment of $394.02. HELOC $328 rate/APR and payment example is based on a 30-year adjustable rate Home Equity Line of Credit with an initial principal balance of $50,000. The initial interest rate would yield a principal and interest payment of $562.89. HELOC $492 rate/APR and payment example is based on a 30-year adjustable rate Home Equity Line of Credit with an initial principal balance of $75,000. The initial interest rate would yield a principal and interest payment of $844.33. HELOC $656 rate/APR and payment example is based on a 30-year adjustable rate Home Equity Line of Credit with an initial principal balance of $100,000. The initial interest rate would yield a principal and interest payment of $725.07. The monthly principal and interest payment based on the maximum interest rate/APR would yield a payment of $1125.77. The initial rates/APRs are equal to the Index plus Margin. The corresponding Daily Periodic Rates and APRs are variable rates and therefore may increase or decrease on the first day of each billing cycle based on the changes in the Index, but the rates/APRs cannot exceed 18% at any time during the term of your account. There is no limit to the amount by which the interest rates and APRs can increase or decrease in any billing cycle. Both examples assume minimum FICO of 760 and a maximum loan-to-value ratio of 80% on an owner-occupied single-family residence. Subject to qualification. Loan limits may apply. Interest rates and APRs are current as of 9/04/2025 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 and other factors. Payments above do not include amounts for your other mortgage payment(s), taxes and insurance premiums making your total mortgage payment obligations greater.

*The loanDepot HELOC has a variable interest rate based on an index (WSJ Prime Rate) plus a margin set by the lender. Your APR will not exceed 18.00% at any time during the term of your account (could vary based on limits imposed by state law). Amount of line of credit depends on your property equity and lien position of the HELOC. There are no third-party fees. Minimum payment will be at least $100. The origination fee will be up to 5% of the line amount, or the maximum allowed by state law, whichever is less. A HELOC requires you to pledge your home as collateral and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Credit criteria, exclusions, and limitations apply. The loanDepot Texas HELOC has a 30-year term: a 3-year draw period and interest only period and a 27-year repayment period. The minimum monthly payment during the first 3 years is interest only and is fully amortized over 324 months during the repayment phase. For all other states, the HELOC has a 30-year term which includes a 3-year draw period (within a 10-year interest only period) and 20-year repayment period. The minimum monthly payment during the first 10 years is interest only and is fully amortized over 240 months during the repayment phase. Available funds are accessible via ACH/Wire. The loanDepot first lien HELOC is only available on free and clear properties. Properties with existing recorded mortgage lien(s) are not eligible and payoffs of existing mortgage liens are not available. The loanDepot HELOC is not available in all states. Please contact loanDepot for more details.

^ Completing an offer inquiry will not impact your credit score and will allow you to see offers containing potential terms and rates; however, if you submit an application, we will report a hard inquiry to one or more of the consumer reporting agencies.

^^ Funding timelines vary based upon verifications of income, employment, property condition or property value. The application process is digital but Remote Online Notarization (RON) is not available. You will need to connect with a notary in person to complete the process. Notary services will be arranged and provided by loanDepot. Available funds are accessible via ACH/Wire.

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