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

Keith Allen-Mortgage Loan Originator: nmls #198190

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United States
Neptune, NJ
Keith Allen-Mortgage Loan Originator: nmls #198190

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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.

11/02/2026

Thinking about tapping into your home’s equity? 🏡

Whether you’re planning home improvements, consolidating debt, or preparing for major expenses, your available equity could open up valuable financial options. The right strategy depends on your unique goals and financial situation.

Send me a message today and let’s explore what’s possible for your home!

For informational purposes only. Not a commitment to lend.

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

10/31/2026

There’s nothing quite like celebrating Halloween in the comfort of your own home! 🎃

From carving pumpkins with family to passing out treats to local trick-or-treaters, the sweetest holiday memories happen right where you live.

Wishing you and your loved ones a safe, fun, and happy Halloween from all of us at Loan Factory! 👻🍬

What’s your family’s favorite Halloween tradition? Tell us in the comments below!

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

10/30/2026

Just because you qualify for a max loan amount doesn't mean it fits your personal budget! 🏡

Taxes, insurance, HOA fees, and maintenance all affect your actual monthly payment. Before you start house hunting, let's figure out a number you feel truly comfortable with.

Planning to buy? Send me a message and let's review your numbers!

For informational purposes only. Not a commitment to lend.

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

10/29/2026

Real estate investors, looking to grow your portfolio beyond traditional personal income verification? 🏠

DSCR financing focuses on whether your property's qualifying rental income can support its debt obligations, meaning less reliance on personal income documentation depending on your scenario.

Ready for your next investment property? Send me a message with the word DSCR to explore your options today!

For informational purposes only. Not a commitment to lend.

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

10/28/2026

Can family help you with your down payment? 🏡 Gift funds are a fantastic option for eligible homebuyers, but specific rules apply depending on the donor, documentation, and loan program.

Drop your questions in the comments below or send me a message today to see what options fit your situation! 👇

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

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

10/27/2026

Your home equity can give you greater financial flexibility for upcoming expenses and exciting opportunities ahead. 🏡 Our streamlined HELOC process offers an easy online application, flexible options, and customized credit lines tailored to your unique qualifications.

Want to see what options are available for your situation? Send me a message today to explore your HELOC options!

For informational purposes only. Not a commitment to lend.

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

10/26/2026

Thinking about buying a home this fall? 🍁 Housing conditions shift with the seasons, making local market knowledge essential.

Before you start house hunting, let’s explore your financing options so you can make your next move with confidence. Send me a direct message today to get started!

Market conditions vary by location. For informational purposes only.

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

10/23/2026

MYTH: Getting pre-approved means you're stuck with one lender. 💡

A pre-approval helps you understand your buying power, but you are not obligated to use that lender for your final mortgage. You still have the flexibility to compare available loan options before making your move.

👉 Reach out today to get informed before taking your next step!

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

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

10/22/2026

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

With a DSCR loan, qualification is primarily based on your property's rental cash flow rather than traditional tax returns. Since every investor scenario is unique, getting the right loan structure for your property is key.

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

Programs subject to guidelines. Not all borrowers will qualify.

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

10/21/2026

Buying a home is an exciting milestone, but knowing what to expect makes the process so much smoother! While every journey is unique, having a clear roadmap helps you move forward with confidence:

✅ Get pre-approved
🏡 Start house hunting
📄 Navigate processing and underwriting
🔑 Prepare for closing day

Ready to take the first step toward homeownership? Connect with me today to get started!

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

Website

https://www.loanfactory.com/keithallen, https://www.zillow.com/lender-profile/USABanker/, https://x.com/keithloans, http

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