Andy the Loan Officer

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Kapolei, HI
Andy the Loan Officer

Loan Factory is a private mortgage broker company headquartered in San Jose, California. Licensed in 48 states. I live on Oahu. I work hard and enjoy life.

Our mission is to provide AMAZINGLY LOW mortgage rates combined with great customer service. Just a normal guy, living the dream. Married to my soulmate and love my family.

10/31/2026

There is nothing quite like celebrating Halloween in a place you love. From carving pumpkins to sharing sweet treats with neighbors, the best holiday memories are made right at home. 🎃

Wishing you and your family a safe, fun, and memorable Halloween from all of us at Loan Factory! What is your favorite Halloween tradition at home? Let us know in the comments below!

Andy Sabo | NMLS #2248266 | DRE #02108830
Loan Factory | NMLS #320841 | DRE #01771313

10/30/2026

Just because you're pre-approved for a certain amount doesn't mean you should spend it all! 🏡 Your maximum loan limit isn't always what feels comfortable monthly once you factor in property taxes, insurance, HOA dues, and maintenance.

Planning to buy soon? Send me a message and let's review your real numbers before you start shopping!

For informational purposes only. Not a commitment to lend.

Andy Sabo | NMLS #2248266 | DRE #02108830
Loan Factory | NMLS #320841 | DRE #01771313

10/29/2026

Looking to expand your real estate portfolio without relying heavily on personal income documentation? 🏠

DSCR financing focuses on whether a property's qualifying rental income can support its debt obligations, offering a flexible option tailored for investors.

Planning your next rental property deal? Message me DSCR and let's explore your options!

For informational purposes only. Not a commitment to lend.

Andy Sabo | NMLS #2248266 | DRE #02108830
Loan Factory | NMLS #320841 | DRE #01771313

10/28/2026

Can family help you with your down payment? 🏡

Gift funds can be a great option for eligible homebuyers, but rules vary on who can donate and how the money must be documented.

Drop a comment or send me a message to see what applies to your situation!

For informational purposes only. Gift-fund requirements vary by loan program, lender, donor, property, and transaction. Not a commitment to lend.

Andy Sabo | NMLS #2248266 | DRE #02108830
Loan Factory | NMLS #320841 | DRE #01771313

10/27/2026

Thinking about tapping into your home's equity? 🏡 A HELOC can give you the flexibility you need for upcoming expenses, home improvements, or new opportunities.

Enjoy a streamlined online application and flexible options built around your unique qualifications.

Message me today to see what options are available for you! 📩

For informational purposes only. Not a commitment to lend.

Andy Sabo | NMLS #2248266 | DRE #02108830
Loan Factory | NMLS #320841 | DRE #01771313

10/26/2026

Planning to buy a home this fall? 🍁 Housing conditions shift throughout the year, so understanding your local market is key to making a smart move. Send me a message today to explore your home financing options and prepare for what is ahead!

Market conditions vary by location. For informational purposes only.

Andy Sabo | NMLS #2248266 | DRE #02108830
Loan Factory | NMLS #320841 | DRE #01771313

10/23/2026

Mortgage Myth: Getting pre-approved locks you in with one lender. 🚫

In reality, a pre-approval gives you a clear picture of your buying power, but you are still free to explore and compare your loan options before making a final decision.

Send us a message today to get informed before you make your next move!

Pre-approval is subject to verification, underwriting guidelines, and lender requirements. Not a commitment to lend.

Andy Sabo | NMLS #2248266 | DRE #02108830
Loan Factory | NMLS #320841 | DRE #01771313

10/22/2026

Looking to expand your real estate portfolio without relying on personal income? 📈

DSCR loans focus on your property’s cash flow and rental income to help you qualify. Every investment scenario is unique, and the right loan structure depends on your specific property goals.

👉 Send us a message today to explore your DSCR loan options!

Programs subject to guidelines. Not all borrowers will qualify.

Andy Sabo | NMLS #2248266 | DRE #02108830
Loan Factory | NMLS #320841 | DRE #01771313

10/21/2026

Buying a home doesn't have to feel overwhelming when you know what to expect! Having a clear roadmap makes the entire journey much smoother.

Here are the key steps to guide you:
✅ Get pre-approved
🏡 Start house hunting
📄 Complete processing and underwriting
🔑 Prepare for closing day

Ready to take the first step toward your new home? Send me a message today to get started!

Andy Sabo | NMLS #2248266 | DRE #02108830
Loan Factory | NMLS #320841 | DRE #01771313

10/20/2026

Thinking about buying a home soon? 🏡 Before you start house hunting, taking time to understand your financing options will help you shop with a clear budget and complete confidence.

Let's chat about your financial goals and explore the right loan options for your journey. Send me a message today to get started! 👇

Andy Sabo | NMLS #2248266 | DRE #02108830
Loan Factory | NMLS #320841 | DRE #01771313

Address

Kapolei, HI
96707

Website

https://www.loanfactorydirect.com/privacy, https://www.loanfactorydirect.com/disclosure, https://www.loanfactorydirect.c

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