Keith Allen-Mortgage Loan Originator: nmls #198190

Keith Allen-Mortgage Loan Originator: nmls #198190 Personalized mortgage solutions and expert guidance. .🏡 Keith Allen - Loan Officer at Loan Factory | Helping You Achieve Your Homeownership Dreams!

Mortgage Loan Originator
Keith Allen: NMLS # 198190 / Loan Factory | NMLS #320841
Keith Allen is currently licensed and lending in: California, NJ & Florida
Helping Achieve Your Homeownership Dreams! Licensed to work in: Florida (LO136170) and New Jersey. With personalized mortgage solutions, competitive rates, and expert guidance, I’m here to make your home-buying process smooth and stress-free

. Whether you’re a first-time buyer or refinancing, let’s explore your best options together!

📞 Contact me today to start your journey to homeownership! Call -(305-600-8676)

Keith Allen| NMLS # 198190 , Loan Factory | NMLS #320841)
https://www.loanfactory.com/keithallen
https://www.facebook.com/KeithAllenMLO/

Experienced Mortgage Banker with expertise in all Residential Mortgage Products and numerous Commercial Loan Products, including but not limited to : New Construction Loans, Fix & Flip Loans, Renovation Loans, Jumbo Loans, Conventional Conforming Loans, FHA Loans, Heloc Loans, Home Equity Loans, 2nd Mortgage Loans, DSCR Loans, Mixed Use Loans, Commercial Loans & SBA Loans. My Community Service: As a former home builder, I am able to contribute my residential construction skills by assisting local Habitat for Humanity chapters in my hometown in the construction of Habitat for Humanity homes and with their fundraising efforts.

Need Cash for Renovations, Debt Consolidation, or Major Expenses?Your home equity could be a valuable financial resource...
06/17/2026

Need Cash for Renovations, Debt Consolidation, or Major Expenses?

Your home equity could be a valuable financial resource. A HELOC may provide flexible access to funds for home improvements, debt consolidation, education expenses, or other financial goals.

With a streamlined process and flexible borrowing options, it may be worth exploring how your available equity could work for you.

📩 Message me today to learn whether a HELOC may fit your needs and goals.



Keith Allen | NMLS #198190
Loan Factory | NMLS #320841
Licensed by the NJ Department of Banking and Insurance

Buying a Home Starts with One StepThe homebuying process doesn't have to feel overwhelming. Understanding the steps ahea...
06/16/2026

Buying a Home Starts with One Step

The homebuying process doesn't have to feel overwhelming. Understanding the steps ahead can help you move forward with confidence: from pre-approval to getting the keys to your new home.

Whether you're buying your first home or your next one, having the right financing strategy can make all the difference.

📩 Ready to explore your options?
Let's talk about your homeownership goals and create a plan that works for you.

Loan approval is subject to credit, income, asset, and property review. Not all borrowers will qualify.



Keith Allen | NMLS #198190
Loan Factory | NMLS #320841
Licensed by the NJ Department of Banking and Insurance

Ready to take the first step towards homeownership? 🏡 Buying a home might seem daunting, but with a clear roadmap from p...
06/15/2026

Ready to take the first step towards homeownership? 🏡 Buying a home might seem daunting, but with a clear roadmap from pre-approval to getting your keys, it can be an exciting journey! Having the right financing strategy truly makes all the difference.

Let's chat about your homeownership dreams and map out a personalized plan for you. Send us a message to get started!

Loan approval is subject to credit, income, asset, and property review. Not all borrowers will qualify.

Keith Allen | NMLS #198190
Loan Factory | NMLS #320841
Licensed by the NJ Department of Banking and Insurance

🏠 Which Home Loan Program Fits Your Situation?Every homebuyer's financial situation is different. FHA, Conventional, VA,...
06/15/2026

🏠 Which Home Loan Program Fits Your Situation?

Every homebuyer's financial situation is different. FHA, Conventional, VA, and USDA loans each offer unique features, eligibility requirements, and benefits.

The right loan isn't always the same for everyone; it depends on your goals, finances, property type, and eligibility.

📩 Not sure which option may be right for you?
Let's compare your financing options and review what you may qualify for.

Program guidelines, eligibility requirements, and qualification standards vary. Not all borrowers will qualify.



Keith Allen | NMLS #198190
Loan Factory | NMLS #320841
Licensed by the NJ Department of Banking and Insurance

🏢 Real Estate Investors: Explore Alternative Qualification OptionsFor certain investment property programs, qualificatio...
06/13/2026

🏢 Real Estate Investors: Explore Alternative Qualification Options

For certain investment property programs, qualification may be based primarily on the property's cash flow rather than personal income documentation.

These solutions can be beneficial for investors seeking flexible financing options for rental properties.

📩 Building your portfolio?
Let's review your investment goals and discuss available financing programs.

Program guidelines apply. DSCR requirements vary by lender and loan program. Not all borrowers or properties will qualify.



Keith Allen | NMLS #198190
Loan Factory | NMLS #320841
Licensed by the NJ Department of Banking and Insurance

🔨 Financing for Your Next Investment ProjectLooking to purchase, renovate, and resell a property? Specialized financing ...
06/12/2026

🔨 Financing for Your Next Investment Project

Looking to purchase, renovate, and resell a property? Specialized financing solutions may help investors move quickly when opportunities arise.

From acquisition to renovation funding, understanding your financing options is an important part of building a successful investment strategy.

📩 Thinking about your next project?
Let's discuss available financing solutions and see what may fit your goals.

Financing programs are subject to qualification, underwriting approval, and property eligibility requirements.



Keith Allen | NMLS #198190
Loan Factory | NMLS #320841
Licensed by the NJ Department of Banking and Insurance

Dreaming of your next home but haven't sold your current one yet? 🏡 Timing can be tricky, but a bridge loan might be you...
06/12/2026

Dreaming of your next home but haven't sold your current one yet? 🏡 Timing can be tricky, but a bridge loan might be your solution! This short-term financing can help you access your home's equity and make your move-up seamless.

Curious if a bridge loan fits your unique situation? Let's chat about your options and plan your perfect transition. 🤝

Bridge loans are subject to qualification, underwriting review, and program guidelines. Not all borrowers will qualify.

Keith Allen | NMLS #198190
Loan Factory | NMLS #320841
Licensed by the NJ Department of Banking and Insurance

Buying Before Selling? A Bridge Loan May HelpIf you're planning to move but haven't sold your current home yet, timing c...
06/11/2026

Buying Before Selling? A Bridge Loan May Help

If you're planning to move but haven't sold your current home yet, timing can be one of the biggest challenges.

A bridge loan may provide short-term financing that can help eligible homeowners access available equity and transition between homes more smoothly.

📩 Wondering if a bridge loan fits your situation? Let's discuss your options and create a plan for your next move.

Bridge loans are subject to qualification, underwriting review, and program guidelines. Not all borrowers will qualify.



Keith Allen | NMLS #198190
Loan Factory | NMLS #320841
Licensed by the NJ Department of Banking and Insurance

Did you know your primary residence could be more than just a home? Life happens and opportunities arise! With the right...
06/09/2026

Did you know your primary residence could be more than just a home? Life happens and opportunities arise! With the right planning and loan options, the home you purchase today might become a key piece of your future financial strategy. Think long-term, not just for now. 🏡

Keith Allen | NMLS #198190
Loan Factory | NMLS #320841
Licensed by the NJ Department of Banking and Insurance

Self-Employed? You May Have More Mortgage Options Than You ThinkBeing self-employed doesn't always mean traditional inco...
06/08/2026

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.



Keith Allen | NMLS #198190
Loan Factory | NMLS #320841
Licensed by the NJ Department of Banking and Insurance

Address

3600 Route 66, Suite 150 , Regus Suites #110
Neptune, NJ
07753

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 9am - 6pm
Sunday 10am - 1pm

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