Farrell LaMetterey

06/09/2026

Self-Employed? You May Have More Mortgage Options Than You Think

Being self-employed doesn't always mean traditional income documentation is your only path to home financing. Depending on your situation, bank statement programs may allow income to be evaluated using eligible bank deposits instead of tax returns.

Whether you're a business owner, freelancer, entrepreneur, or independent contractor, there may be financing options designed for your unique income structure.

📩 Let's review your scenario and explore available mortgage solutions.

Program availability, qualification requirements, and loan terms vary. Not all borrowers will qualify. Subject to underwriting approval.



Farrell LaMetterey | NMLS #2017731
Loan Factory | NMLS #320841

06/09/2026

Buying Your First Home May Be Closer Than You Think

Many homebuyers assume they need a large down payment or perfect credit to purchase a home. FHA loans are designed to provide additional financing options for qualified borrowers, including many first-time homebuyers.

Features may include flexible qualification requirements and low down payment options, depending on borrower eligibility.

📩 Curious whether an FHA loan could work for you? Let's review your home financing options and help you take the next step toward homeownership.

FHA loans are subject to borrower qualification, loan limits, and program requirements. Not all applicants will qualify.



Farrell LaMetterey | NMLS #2017731
Loan Factory | NMLS #320841

06/04/2026

Your VA Home Loan benefit is waiting! 🇺🇸 You've served our country, and now it's time to unlock incredible homeownership opportunities. VA loans offer flexible credit options, competitive interest, and often don't require a down payment. Let's explore your eligibility and make your dream home a reality. Contact us today!

Farrell LaMetterey | NMLS #2017731
Loan Factory | NMLS #320841

06/03/2026

🏡 Myth Busted: A 30-year mortgage doesn't mean 30 years of payments!
The term is just a repayment schedule. Many homeowners pay theirs off sooner by making extra principal payments, refinancing, or selling.
Choosing the right loan structure is key to meeting your financial goals.

Ready to explore your mortgage options and create a plan that works for you? Send me a message!



Farrell LaMetterey | NMLS #2017731
Loan Factory | NMLS #320841

06/01/2026

When exploring mortgage options, remember the monthly payment is just one piece of the puzzle. 🏡 Consider loan term, long-term interest, available programs, and your future plans to find a loan that truly supports your financial goals, not just your budget.

Have questions about your financing? Let's connect to review your options and build a strategy for your homeownership dreams.

Farrell LaMetterey | NMLS #2017731
Loan Factory | NMLS #320841

05/29/2026

Ready to unlock your financial future? 🔑 Whether you're dreaming of homeownership, exploring real estate investments, or building lasting wealth, a solid strategy is your first step.

Let's work together to understand your options, set achievable goals, and seize opportunities with confidence.

Reach out today to chat about your aspirations and map out your next move!

Farrell LaMetterey | NMLS #2017731
Loan Factory | NMLS #320841

05/28/2026

Dreaming of owning your own home? 🏡 Manufactured homes can be a fantastic and accessible option, and you might be surprised by the flexible financing available for qualified buyers.

Whether you're looking to purchase a new manufactured home or refinance an existing one, there are programs designed to help you achieve your homeownership goals with potentially lower down payment options.

Ready to explore what's possible for your unique situation? Let's chat about your options. Send us a message to get started!



Farrell LaMetterey | NMLS #2017731
Loan Factory | NMLS #320841

05/28/2026

Ever wonder why everyone loves getting their eyeglasses at Costco? 👓 It’s because they cut out the middleman, skip the massive retail markups, and pass the raw savings directly to you.

As a mortgage broker, I run my business the exact same way. 🏠✨

Check out this article on why Costco Eyewear is such a game-changer, and see how the exact same logic applies to your next home loan:

❌ The Traditional Retail Trap: Standard optical shops mark up frames by hundreds of percent just to cover high overhead. Traditional lenders do the exact same thing with your interest rate and hidden fees.
💸 The Costco Blueprint: Costco manufactures its own lenses and relies on high volume, not high markups. I use that exact same high-volume blueprint with Loan Factory to secure low wholesale interest rates you can't get elsewhere.
📉 Minimal Overhead, Building, & Ads: Costco doesn't waste money on flashy ad campaigns or expensive boutique storefronts, they operate inside an existing warehouse. I do the exact same thing. By cutting out expensive office buildings, luxury suites, and big marketing budgets, those massive operational savings go straight into your pocket as a lower rate.

Stop paying retail prices for your mortgage. Get the smart shopper discount on your home financing instead!

https://www.rd.com/article/buying-eyeglasses-costco/

Farrell LaMetterey
NMLS #2017731
Loan Factory NMLS #320841

Costco shoppers appreciate the deals they can get on household items. There's also good reasons to get your eyeglasses there too.

05/26/2026

Unlock Your Home Equity in Days

Turn your home’s value into cash fast with a HELOC from Loan Factory. Apply 100% online, get approved in minutes, and access funds in as few as 5 days.*

Find out how much you can borrow today.

👉 Contact me to see your options now.

Approval and funding timelines may vary based on borrower qualifications and property eligibility. Not all applicants will qualify. Terms and conditions apply.



Farrell LaMetterey | NMLS #2017731
Loan Factory | NMLS #320841

05/26/2026

Self-Employed? You May Qualify Without Tax Returns*

Owning a business, freelancing, or earning income outside a traditional W-2 job doesn't mean homeownership is out of reach.

Bank statement loan programs can provide an alternative way to qualify, helping self-employed borrowers use their cash flow to pursue a home purchase or refinance.

If you've been told qualifying is difficult because of how you report income, it may be worth exploring your options.

📩 Message me today for a personalized review and see which loan programs may fit your situation.



*Eligibility and program requirements apply. All loans subject to approval.

Farrell LaMetterey | NMLS #2017731
Loan Factory | NMLS #320841