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You should call the customer service department of the bank and clarify the terms and conditions of the loan once again before agreeing to their offer. You should also check out what negative steps can they take against you in case you cannot pay off the monthly payments on time. You can even have a word with other borrowers who have taken out a loan from Loan Depot and get to know their experience working with them. This will give an idea about the company and you can decide whether or not you should deal with them.

Never take a persons word on terms and conditions. Read the prom note you are going to sign....if you dont understand it, find a third party who can explain them to you.

Google the loan depot for complaints