One+ Program

Buy a home with

1% down

Lender provides a
2% grant

Low rate eligibility

You can qualify for low rates even with a credit score as low as 620

Eligibility requirements:

Income: 80% or less of the Area Median Income (AMI).
Credit score: Must be at least 620.
Loan type: Single-unit primary residence, first-time home buyers, and conventional loans only.
Max grant amount: $7,000.
Max loan amount: $350,000.

* This is not a commitment to lend.

Call us

(934) 759-2864

Email us

customer@loanfactory.com

Business hours

Monday - Friday: 6 - 5 (PST)

Saturday: By Appointment

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.

Asset-Qualifier Loans

Use your savings, investments, or retirement accounts to qualify, without relying on traditional income documents.

Foreign National Loans

Tailored for non-U.S. citizens purchasing U.S. property, even without a U.S. credit history or residency.

FHA Streamline Refinance

Lower your rate with minimal paperwork - often no appraisal or income verification. Only for borrowers with an existing FHA loan.

VA IRRRL (Interest Rate Reduction Refinance Loan)

For veterans and service members with a current VA loan. Quick process, usually no appraisal or income check required.

USDA Streamlined Assist

For homeowners with an existing USDA loan. No appraisal or credit review, must show at least $50/month in savings.

Rate-and-Term Refinance

Replace your current mortgage to reduce your interest rate, shorten the loan term or switch from an ARM to a fixed-rate loan.

Cash-Out Refinance

Tap into your home equity and receive cash to use for debt consolidation, tuition, or major expenses.

Bank Statement Refinance

Qualify using business or personal bank deposits - ideal for self-employed borrowers without W-2 income

DSCR Refinance

For real estate investors - approval based on rental property income instead of personal income.

Asset-Qualifier Refinance

Use savings, investments, or retirement funds as proof of ability to repay instead of traditional income.

Foreign National Refinance

Borrow a lump sum against your home’s value with fixed interest and predictable payments.

HELOC (Home Equity Line of Credit)

A flexible credit line you can borrow from when needed, similar to a credit card but backed by your home.

Reverse Mortgage (HECM)

For homeowners aged 62+. Convert part of your home’s equity into cash with no monthly mortgage payments required.

Discover Which Loan Fits Me

"Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow-ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on."

Tom Williamson

"John made the process so easy and stress-free. He was always available to answer our questions and provided the best guidance. Highly recommend working with him!"

Emily Carter

"Absolutely fantastic experience! Mark went the extra mile to ensure we got the best deal possible. Will definitely work with him again."

David Foster

Why us

Independent Advice

We commit to always give you independent, long-term strategy advice regarding real estate and mortgage options.

Customer First

We make less per loan than competitors and pass the extra savings on to you.

Low Available Rates

You will always get great deals with our real-time pricing engine.

Fast, Convenient, Local Service

We are just one call away from meeting your needs.

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WhyUs.achieve_goals

1. We make less per loan than competitors and pass the extra savings on to you..
2. WhyUs.why_join.reduce_overhead.
3. WhyUs.why_join.real_time_quotes.
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5. WhyUs.why_join.build_trust.