Andy the Loan Officer

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United States
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.

09/07/2026

This Labor Day, we honor the dedication and hard work that builds not just careers, but dreams – including the dream of homeownership. 🇺🇸🏡

At Loan Factory, we believe in supporting your journey to a place you can call your own. Happy Labor Day from our team! ❤️🤍💙

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

09/05/2026

Your homeownership journey is unique, and so should be your mortgage! 🏡 I'm here to help you navigate the many loan options available, from Conventional and FHA to VA, Jumbo, HELOCs, DSCR, and investment financing.

Let's chat about your goals and find the perfect financing path for you. What are you hoping to achieve?

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

09/04/2026

Dreaming of a custom-built home? 🏗️ Instead of settling, explore financing options that can bring your vision to life from the ground up. Construction loans provide funds as your home is built, and often include paths to permanent financing upon completion.

Ready to build your perfect home? Message me to discuss your custom construction loan possibilities!

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

09/03/2026

Ready to own your first home? 🔑 It doesn't have to feel overwhelming!

Here’s a simple roadmap to get you started:
✅ Understand your budget
✅ Plan your down payment
✅ Review your credit health
✅ Get pre-approved for a loan
✅ Prepare for closing expenses

Let's map out your homeownership journey together. Send me a message to start building your personalized plan!

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

08/31/2026

Dreaming of your own home? 🏡✨ A crucial first step is exploring your financing options and getting pre-approved. Loan Factory is here to guide you through the home loan process, making it clearer and simpler. Your next home could be closer than you imagine!

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

08/27/2026

Ready to unlock the door to homeownership? 🔑 Understanding your financing options and getting pre-approved is the perfect first step. Loan Factory is here to guide you, making the home loan journey clear, simple, and stress-free. Your dream home might be closer than you think!

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

08/26/2026

Dreaming of homeownership? 🤔 Conventional loans can be a fantastic way to achieve your goals, offering flexible financing for qualified buyers!

Let's explore if this option aligns with your unique homebuying journey.

Subject to credit approval, underwriting, and program guidelines. Not all borrowers will qualify.

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

08/25/2026

Your homeownership dream is within reach, and every journey starts with that crucial first step. ✨

Whether you're a first-time buyer, looking to upgrade, or curious about your financing possibilities, understanding the right loan programs can empower your next move.

Let's explore your home loan options together and help you move forward with confidence!

Loan programs, terms, and eligibility vary. Subject to underwriting approval.

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

08/24/2026

Fixed-rate or ARM? 🤔 Navigating mortgage options can feel complex, but choosing the right one is key for your homeownership journey. A fixed rate offers stability, while an ARM might start lower but can adjust over time. Let's explore what fits your plans, budget, and comfort level with future rate changes. Send me a message to discuss your unique situation!

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

08/20/2026

Your dream home is waiting, but so is the perfect financing! 🏡 Understanding your mortgage options *before* you start house hunting can make all the difference. Different loan programs have unique requirements and benefits, and knowing yours upfront helps you navigate the process smoothly and avoid surprises.

Ready to explore what's possible for your homeownership journey? Send me a message to discuss your goals!

Loan programs, terms, and eligibility vary. Not all borrowers will qualify. Subject to underwriting approval.

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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