Mon - Fri 9:00 am - 7:00 pm
Sat 9:00 - 5:00 pm

Services We Offer

Home Purchase

Home Purchase

Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.

Re-finance Low Rate

Refinance Low Rate

Need to refinance to get a better rate? We will get great deals for your financial plan As the rate is updated in real-time from lenders, your refinance plan will just get better.

Re-finance Cash Out

Refinance Cash Out

A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.

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 your requirement.

Loan Factory is a private mortgage broker company headquartered in San Jose, California.

Our mission is to provide AMAZINGLY LOW mortgage rates combined with great customer service. We believe that we can accomplish both these goals with the use of technology and the willingness to help our customers.

In order to achieve these goals, we

1. Work with select lenders who have great, low rates.

2. Reduce overhead costs, such as advertising, and operate efficiently using superior technology.

3. Provide clients with real-time rate quotes and rate alerts and inform you when it's the best time.

4. Improve customer service by automatically updating borrowers' loan status.

5. Build trust by not collecting any funds until the rate is locked. At that time, the only fee collected is the appraisal fee which is refundable in the case of a no cost loan.


Ready To Get Pre-Approved ?

We're here to help you to get the best deal in the market

Contact me today

Your financial help is one call away.


My reviews on Google

(Translated by Google) Excellent service. (Original) Excelente servicio.
(Translated by Google) Gloria Gutierrez is a person who really knows her business, she suggests the best options, according to your needs, so you can choose the one that best suits you. In short, excellent service with kindness and speed. (Original) Gloria Gutierrez es una persona que realmente conoce su negocio, te sugiere las mejores opciones, de acuerdo a tus necesidades, para que elijas la que más te convenga. En resumen, excelente servicio con amabilidad y rapidez.
(Translated by Google) Excellent service, very attentive, very professional, they clarified all my doubts, helped me choose the best option, advised me, looked for a way to be as protected as possible and I felt very comfortable working with glory. I highly recommend them and I am very happy that he is now my agent.100% (Original) Excelente atencion,muy atentos, muy profesionales, aclararon todas mis dudas, me ayudaron a elegir la mejor opción, me aconsejaron, me buscaron la manera de quedar lo más protegidos posible y me sentí muy cómoda trabajando con gloria.los recomiendo ampliamente y estoy muy feliz de que ahora es mi agente.100%

My reviews on Zillow



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