Debbie Calixto, NMLS# 691121

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Debbie Calixto, NMLS# 691121 Debbie Calixto, Sales Manager at loanDepot, NMLS # 691121 Years later, Debbie still enjoys helping others achieve their homeownership goals.

Using 19 years of mortgage experience, Debbie has quickly become a trusted lending partner among clients and industry associates. She actively goes out of her way to provide exceptional hands-on experience and prides herself on product and process knowledge, making every effort to source the best loan for each borrower’s needs. Debbie originally joined the industry out of her desire to help assist others in securing their American dream of owning a home. Debbie has worked in various positions in the mortgage industry and taking part in her borrowers’ most important financial decision is what drives her to do her best each day. Please contact her for any of your mortgage financing needs!

HELOC or home equity loan—which one makes more sense for your financial goals?Both let you borrow against the equity you...
10/05/2026

HELOC or home equity loan—which one makes more sense for your financial goals?

Both let you borrow against the equity you’ve built in your home, but they work very differently. A HELOC offers a revolving line of credit you can tap as needed, while a home equity loan typically gives you a lump sum with predictable payments.

In this USA TODAY guide, we break down:
🔹 How HELOCs and home equity loans work
🔹 The pros and cons of each option
🔹 Interest rates, payments and flexibility
🔹 When each borrowing option may make sense
🔹 Key risks to consider before tapping your home equity

Whether you’re planning home improvements, consolidating debt or preparing for a major expense, understanding the differences can help you make a more informed decision.

Read the full USA TODAY article for the complete breakdown.

https://tinyurl.com/bdebs69p

Debbie Calixto
Sales Manager - Finance Specialist
loanDepot - Palm Desert CA
NMLS # 691121
(442) 274-3111 office
(760) 250-9187 cell

What exactly is a home equity loan—and how does it work?I was excited to contribute to USA TODAY’s beginner’s guide to h...
09/24/2026

What exactly is a home equity loan—and how does it work?

I was excited to contribute to USA TODAY’s beginner’s guide to home equity loans, written by Sharon Wu.

We cover some of the questions I hear from homeowners, including how much you may be able to borrow, how rates and repayment terms work, the difference between a home equity loan and a HELOC, and some of the benefits and risks to consider.

Home equity can be a powerful financial tool, but understanding your options is an important first step.

📖 Check out the full USA TODAY article at the link!

https://tinyurl.com/3vyswa8e

Debbie Calixto
Sales Manager - Finance Specialist
loanDepot - Palm Desert CA
NMLS # 691121
(442) 274-3111 office
(760) 250-9187 cell

No income caps. No second lien. No problem.*For many buyers, the monthly mortgage payment isn’t the biggest obstacle—it’...
09/24/2026

No income caps. No second lien. No problem.*

For many buyers, the monthly mortgage payment isn’t the biggest obstacle—it’s coming up with the down payment.

loanDepot’s Energy-Smart DPA Program gives qualified FHA buyers another option. When solar is financed as part of the mortgage, buyers could unlock up to 5% toward their down payment with no income caps. ☀️🔑

That means you may be able to:

🏠 Get into a home without draining your savings
💰 Receive help toward your down payment
☀️ Add a new solar system as part of the transaction
⚡ Potentially lower your monthly utility bills

Want to know what this could look like for you? Send me a message and we can have a loanDepot Loan Officer run your scenario.

Debbie Calixto
Sales Manager - Finance Specialist
loanDepot - Palm Desert CA
NMLS # 691121
(442) 274-3111 office
(760) 250-9187 cell

Fine print:
In some cases, a forgivable second lien is created during the initial setup of the loan. It is forgiven at the time of solar installation. Actual results vary based on home price, borrower qualifications, loan program, lender guidelines, and solar design. Not a guarantee of lending. Arcasa facilitates solar-integrated mortgage scenarios through participating lenders and does not originate mortgages or provide direct funding.

Own your home without draining your savings.The down payment can be one of the biggest hurdles to buying a home. loanDep...
09/21/2026

Own your home without draining your savings.

The down payment can be one of the biggest hurdles to buying a home. loanDepot’s Energy-Smart DPA Program offers another way forward by combining FHA financing, down payment assistance, and solar. ☀️

Here’s how it works:

🏠 Find your home — Get pre-approved like an FHA buyer, with no income limits.
☀️ Add solar to the purchase — The solar is what makes the down payment assistance possible and is financed into the mortgage.
🔑 Close and move in — The solar system is installed after closing.

The result? Help with your down payment, a new solar system, and the potential for lower monthly utility bills.

Ready to see what this could look like for you? Send me a message to learn more or have a loanDepot Loan Officer run your scenario.

Debbie Calixto
Sales Manager - Finance Specialist
loanDepot - Palm Desert CA
NMLS # 691121
(442) 274-3111 office
(760) 250-9187 cell

Fine print:
$15,000+ represents estimated borrower benefit scenarios based on internal Arcasa program modeling. Actual results vary based on home price, borrower qualifications, loan program, lender guidelines, and solar design. Not a guarantee of lending. Arcasa facilitates solar-integrated mortgage scenarios through participating lenders and does not originate mortgages or provide direct funding.

Your down payment could be closer than you think.If coming up with the down payment has been keeping you from buying a h...
09/16/2026

Your down payment could be closer than you think.

If coming up with the down payment has been keeping you from buying a home, loanDepot’s Energy-Smart DPA Program may give you another option.

☀️ Available in 47 states
💰 No income limits
🏠 Designed to work with FHA financing
💵 Potential borrower benefits of $15,000+*
⚡ Solar is incorporated into the mortgage program and may help lower monthly utility bills

The program combines down payment assistance with solar to help qualified buyers overcome one of the biggest hurdles to homeownership.

Where will you move? 🔑

Send me a message to learn more and see what your scenario could look like.

Debbie Calixto
Sales Manager - Finance Specialist
loanDepot - Palm Desert CA
NMLS # 691121
(442) 274-3111 office
(760) 250-9187 cell

*$15,000 represents estimated borrower benefit scenarios based on internal Arcasa program modeling. Actual results vary based on home price, borrower qualifications, loan program, lender guidelines, and solar design. Not a guarantee of lending. Arcasa facilitates solar-integrated mortgage scenarios through participating lenders and does not originate mortgages or provide direct funding.

You get the down payment. And solar. 🏡☀️Found the home you love, but the down payment is standing between you and the ke...
09/15/2026

You get the down payment. And solar. 🏡☀️

Found the home you love, but the down payment is standing between you and the keys?

loanDepot’s Energy-Smart DPA Program combines down payment assistance with a new solar system as part of the home purchase.

Eligible buyers may receive access to 3.5%–5% of the purchase price toward their down payment, while getting a new solar system that could help lower monthly utility bills.

🔑 Down payment assistance
☀️ New solar system
💡 Potentially lower monthly utility bills
🏡 Works with FHA financing
💰 No income limits

Want to see what this could look like for you? Send me a message and let’s run the numbers.

Debbie Calixto
Sales Manager - Finance Specialist
loanDepot - Palm Desert CA
NMLS # 691121
(442) 274-3111 office
(760) 250-9187 cell

Fine print:
$15,000 represents estimated borrower benefit scenarios based on internal Arcasa program modeling. Actual results vary based on home price, borrower qualifications, loan program, lender guidelines, and solar design. Not a guarantee of lending. Arcasa facilitates solar-integrated mortgage scenarios through participating lenders and does not originate mortgages or provide direct funding.

Buying a home but worried about the down payment? 🏡loanDepot’s new Energy-Smart DPA Program may help eligible FHA buyers...
09/14/2026

Buying a home but worried about the down payment? 🏡

loanDepot’s new Energy-Smart DPA Program may help eligible FHA buyers access 3.5%–5% of the purchase price toward their down payment while adding a new solar system to their home. ☀️

That could mean:
🏡 Less cash needed for your down payment
☀️ A new solar system
💡 Potentially lower monthly utility bills
📉 Options for rate buydowns
💰 No income limits

If the down payment has been the thing holding you back from buying, this may be worth exploring.

Message me and I can have a loanDepot Loan Officer run a scenario for you.

Program availability and benefits vary based on borrower qualifications, property, loan program, lender guidelines, and solar design. Not a guarantee of lending.

So happy to work once again with the talented Sharon Wu to introduce what mortgages are to those searching for their new...
08/10/2026

So happy to work once again with the talented Sharon Wu to introduce what mortgages are to those searching for their new homes.

Read the full article here:

https://tinyurl.com/5872y32z

Thinking about buying a home? Understanding how a mortgage works is one of the best places to start. This USA TODAY article breaks down the basics, including how mortgage payments work, the different types of loans available, costs to consider, and what lenders look for when determining whether you qualify.

Whether you’re preparing to buy your first home or simply want to better understand your financing options, this is a great resource for building your mortgage knowledge. Read the full article to learn the ins and outs of a mortgage and feel more prepared for the homebuying process.

Debbie Calixto
Sales Manager - Finance Specialist
loanDepot - Palm Desert CA
NMLS # 691121
(442) 274-3111 office
(760) 250-9187 cell

We are recruiting Loan Officers!Contact me today!Debbie CalixtoSales Manager - Finance SpecialistloanDepot - Palm Desert...
07/02/2026

We are recruiting Loan Officers!

Contact me today!

Debbie Calixto
Sales Manager - Finance Specialist
loanDepot - Palm Desert CA
NMLS # 691121
(442) 274-3111 office
(760) 250-9187 cell

The best careers aren't built by chasing the next opportunity—they're built by finding the right people. At our loanDepot branch, we believe success comes from collaboration, mentorship, and a team that genuinely wants to see one another grow. We're more than coworkers—we're a family that celebrates each other's wins, supports one another through challenges, and pushes each other to become the best versions of ourselves. When you're surrounded by people who have your back, work becomes more meaningful and success becomes something everyone shares. If you're looking for a place where you're valued as a person, not just a producer, we'd love to connect. Whether you're an experienced Loan Officer or exploring your next chapter in mortgage lending, come see what it feels like to be part of something bigger than a workplace—a family built on trust, respect, and helping each other succeed.

Thanks, Betty!Debbie CalixtoSales Manager - Finance SpecialistloanDepot - Palm Desert CANMLS # 691121(442) 274-3111 offi...
07/01/2026

Thanks, Betty!

Debbie Calixto
Sales Manager - Finance Specialist
loanDepot - Palm Desert CA
NMLS # 691121
(442) 274-3111 office
(760) 250-9187 cell

Address

74980 Highway 111
Indian Wells, CA
92210

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