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Checking Kakakaka Firstimer 1

Loan Factory

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NMLS#: 1287941

License: AK, CA, CT, DC, NJ

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Chu Doan Van

Loan Factory

NMLS#: 7811

License: AK, AR, AZ, AZ, CA

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Chu Nguyen Chuong

Loan Factory

NMLS#: 2888

License: CA, CA, CT, DC, FL

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Hien Career 5 Closed Loan

Loan Factory

NMLS#: 9360

License: AR, CA

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Hien Mocha Testing 100

Loan Factory

NMLS#: 279056456456

License: CA, NC, NY, TX

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Minh Test Public

Loan Factory

NMLS#: 320841

License: AK, AL, AZ, CA, IA, KY, NY, TX, WI

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Why are our rates so low?

WE SHOP RATE

129 LENDERS

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WE NEGOTIATE

307 loan officers collectively negotiate.

WE MAKE LESS

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Loan options from Loan Factory

ONE+

Buy a home with just 1% down and get a 2% lender grant - available to both first‑time and repeat buyers with a 620+ credit score.

Adjustable‑Rate Mortgage (ARM)

Enjoy a lower interest rate at the beginning of your loan - perfect if you plan to move or refinance within a few years.

HomeReady® & Home Possible®

Conventional loan programs offering down payments as low as 3% with flexible income and credit requirements.

Jumbo Loan

If your home costs more than the standard loan limits, Jumbo Loans help finance high‑priced homes with competitive rates.

FHA Loan

Great for buyers with limited savings or lower credit scores. Requires only 3.5% down payment.

VA Loan

Exclusive to veterans, service members, and surviving spouses. Offers $0 down, no PMI, and flexible credit rules

USDA Loan

Designed for rural and suburban families. No down payment required and reduced mortgage insurance.

Bank Statement Loans

Qualify using 12–24 months of business or personal bank statements instead of W‑2s or tax returns – useful for self‑employed borrowers.

DSCR Loans

Approval is based on your property’s rental income covering the mortgage payment (Debt Service Coverage Ratio), making it ideal for real estate investors.