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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 9am - 5pm

Rachel Pham, Loan Officer TX

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United States
Houston, TX
Rachel Pham, Loan Officer TX

Mortgage Loan Officer - Licensed in Texas - Virginia- Tennessee - Pennsylvania

11/03/2026

🎉 CLEAR TO CLOSE! This one gave me a little extra homework! 😂🏡

This cash-out refinance tried to cash out my patience! 😂💰

Congrats to Mr. Client on his Houston investment property refinance! Tough loan, tougher loan officer! 💪🏡

Happy to use the lender credits I’ve earned to extend my client’s rate lock—a small way to help when things take longer than planned. Congrats, Mr. Client again. 💛🔑

10/29/2026

🏡 Investment & Bank Statement Loan Options

🔑 Conventional Investment: 6.875% | APR 6.994%
🏘️ Investment—qualify using rental income: 7.624% | APR 7.631%
💼 Bank Statement (6/6 ARM): 7.49% | APR 7.493%

Investor or self-employed? Let’s explore the loan that fits your goals!

R/P | Rachel Pham
📲 281-912-7137
NMLS #1656687 | Co-NMLS #320841

Rate examples as of 10/28/2026; subject to change and qualification. Actual pricing varies by credit, property, loan amount and other factors. Bank Statement ARM rates may adjust.

10/25/2026

⭐⭐⭐⭐⭐ Happy homeowners and words like these make every effort worthwhile!

🏡❤️ Thank you for trusting me with your first home loan. I’m grateful to be part of your journey!

Ready for your next chapter? Let’s talk! 🔑
📞 Rachel Pham | 281-912-7137

10/25/2026

🏡 Good news for investors looking to grow their real estate portfolio! Your rental income may help you qualify for an investment property loan. 🔑

📩 Message me to explore your options!
📞 Rachel Pham | 281-912-7137

🏡 Tin vui cho các nhà đầu tư muốn mở rộng danh mục bất động sản! Thu nhập cho thuê nhà có thể giúp quý vị đủ điều kiện vay mua nhà đầu tư. 🔑

📩 Nhắn Rachel để tìm hiểu các lựa chọn phù hợp!
📞 Rachel Pham | 281-912-7137

Tùy theo điều kiện của bên cho vay và kết quả xét duyệt tín dụng.

10/23/2026

🔥 CLOSED IN JUST 12 DAYS! 🏡🔑

Experience matters. Knowing the loan program, anticipating lender requests, and taking action BEFORE they ask—that’s how I keep your loan moving smoothly! 💪✨

Rachel Pham | Loan Officer
NMLS #1656687 | Loan Factory

🔥 ĐÓNG HỒ SƠ CHỈ TRONG 12 NGÀY! 🏡🔑

Kinh nghiệm tạo nên sự khác biệt. Hiểu rõ chương trình vay, chủ động chuẩn bị hồ sơ và xử lý trước các yêu cầu của bên cho vay—đó là cách tôi giúp khoản vay của bạn diễn ra nhanh chóng, thuận lợi và nhẹ nhàng hơn! 💪✨

Rachel Pham | Chuyên viên cho vay
NMLS #1656687 | Loan Factory

10/21/2026

🏡🔑 Clear to close and ready for closing!

🎉 Congratulations to my client on receiving final approval for her first investment property!

10/14/2026

🔒🏡 Another Rate Locked Today!

📍 Investment Property | Houston, TX 77083

✅ 6.99% Interest Rate
✅ Low Fees | 30-Year Fixed

Helping another investor secure financing for their rental property! 🏡💰

Looking to purchase or refinance an investment property? Let's make the numbers work for you!

Rachel Pham | Mortgage Loan Officer
📞 281-912-7137
NMLS #1656687 | Co-NMLS #320841

Rate reflects a specific transaction. Terms and eligibility vary.

08/17/2026

🏡 Closing Day! 🔑✨

One happy client got the keys ❤️

Back from vacation and straight back to work! ✈️➡️🏡

One closing funded & keys delivered 🔑🎉 and another file CLEAR TO CLOSE for Wednesday!

Vacation is over, but the hustle never stops. 💻❤️

#77406

08/10/2026

🙅‍♀️🙅‍♀️🙅‍♀️ Nhà chưa hoàn thiện — NO CLOSING! 🏡🚫

Closing phải tạm hoãn sau buổi final walkthrough vì phát hiện nhiều hạng mục xây dựng chưa hoàn thiện, đồ bị hư hỏng và một số vấn đề chưa đúng theo hợp đồng. 🏡

Với vai trò Loan Officer, mình tiếp tục xử lý gia hạn rate lock và giữ hồ sơ sẵn sàng cho ngày closing mới.

Có những tình huống phát sinh ngoài dự kiến — quan trọng là xử lý nhanh, bảo vệ quyền lợi khách hàng và tiếp tục đưa hồ sơ về đích. 🔑

🔐🔐🔐🔐🔐🔐🔐🔐🔐🔐🔐🔐🔐🔐
Closing postponed after the final walkthrough uncovered unfinished construction, damaged items, and contract/building issues. 🏡

Now, as the Loan Officer, I’m working on the rate-lock extension and keeping the loan ready for the new closing date.

Unexpected delays happen — we adjust, protect the client, and keep moving forward. 🔑

07/17/2026

Beautiful day for closing!!! 🏠 💰 😊

Address

10008 Bellaire Boulevard Ste 203
Houston, TX
77072

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 5pm

Website

http://www.loanfactory.com/rachelpham

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