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LoanDepot has over 180 retail locations across the U.S. is one of the most popular lenders with borrowers right now— which likely because they have a strong customer service department and they offer a variety of loan products. You can complete the application process either online or over the phone. Many people prefer the phone because it allows them to ask questions along the way.
For second mortgages, LoanDepot will loan you up to 90% of your home’s loan-to-value. This means if you have $50,000 in equity, you can take out a loan for $45,000. The new loan does not affect your original loan, and can be used as you see fit.