checking or savings account required to use Zelle ®. Enrollment with Zelle ® through Wells Fargo Online ® or Wells Fargo Business Online ® is required. Wells Fargo and Fair Isaac do not provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating.įICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.Ģ. Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act.
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Wells Fargo looks at many factors to determine your credit options therefore, a specific FICO ® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card. Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Your mobile carrier's message and data rates may apply. Availability may be affected by your mobile carrier’s coverage area. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO ® Score available, and enrolled in Wells Fargo Online ®. Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee.1. Disclaimersįuture applicants must contact loanDepot directly via the website: or via telephone (877) 395-7381 (888) 983-3240 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. Terms and conditions are subject to change without notice.įuture applicants must contact loanDepot directly via the website: or via telephone (877) 395-7381 (888) 983-3240 to qualify for the Guarantee.
“Lender fee” does not include discount points associated with the loan transaction. For future loans meeting the above requirements and which are successfully closed, no lender fee will be charged. The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time. 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 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. The Guarantee may only be used by submitting an application directly to loanDepot.įor Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. 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 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. 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.
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