1) 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. Important Notice to Servicemembers and Their Dependents. If you are currently eligible for benefits provided by Servicemembers Civil Relief Act (SCRA), refinancing current debt may not be beneficial.

2) Minimum loan amounts apply to the 2nd lien closed end home equity loan (“HELoan”). The HELoan is available for primary and secondary residences. 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. Other limitations apply. Rates, terms, and availability of programs are subject to change without notice. The loanDepot HELoan is not available in all states. Please contact loanDepot for more details.

3) If you determine to move forward with your HELoan application, advanced fees are required. This includes credit report, automated valuation model, property condition report, and possible appraisal fees.

4) 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.

5) https://www.cnbc.com/2025/10/29/mortgage-rates-drop-to-the-lowest-level-in-over-a-year-pushing-refinancing-111percent-higher-annually.html

6) Per Scotsman Guide 2024 Top Overall Lenders: https://www.scotsmanguide.com/rankings/top-mortgage-lenders/2024-top-overall-lenders/

Equal Housing Opportunity. loanDepot.com, LLC. All rights reserved. NMLS ID #174457 (www.nmlsconsumeraccess.org/). For more licensing information, please visit www.loanDepot.com/licensing.