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

Chris Carter Mortgage Broker

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United States
Sacramento, CA
Chris Carter Mortgage Broker

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I've been a Mortgage Broker for 20++ years and love every minute! NMLS # 619947 Hey, I'm Chris, a regular everyday guy. My 5⭐ rating backs that up.

I'm married to my best friend, have 3 amazing kids, the best dog on planet earth. I have an amazing balanced life and spend time outside of the office playing pickleball or Texas Hold'Em with friends. In my 20++ years in Mortgage, I've come to know that Real Estate 🏡 IS the best vehicles to help create financial freedom, and I believe that everyone should have the opportunity to own a home. I strive to give my clients the best home loan experience possible, and work hard to make sure I deliver on that. Being a Mortgage "Broker", I get to pass on industry low rates & fees, as well as the great home loan experience you want & deserve! I love to help & look forward to meeting you! Chris Carter, Mortgage Broker | NMLS # 619947
Loan Factory | NMLS # 320841
www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/320841

11/02/2026

Big news today—the loan is officially funded! 🎉

Seeing all the hard work pay off for this wonderful family is easily the best part of what I do. 🏠 From turning in the final paperwork to getting that final green light, every moment was worth it. Now it is time to unpack, relax, and start making memories in your new space. ✨

Wishing you so much happiness as you turn the key to your home! 🔑

Chris Carter | NMLS #619947 | DRE #01389819
Loan Factory | NMLS #320841 | DRE #01771313

11/02/2026

Did you know your home equity could help unlock new possibilities? 🏡 From home improvements and debt consolidation to handling major expenses, your built-up equity can give you greater financial flexibility. The right choice simply depends on your unique goals and current financial situation.

Want to see what your home equity might make possible for you? Send me a message today and let's explore your options!

For informational purposes only. Not a commitment to lend.

Chris Carter | NMLS #619947 | DRE #01389819
Loan Factory | NMLS #320841 | DRE #01771313

10/31/2026

Halloween is always a little sweeter when it is spent at home! 🎃

From pumpkin carving to sharing treats, the most special holiday memories are made right under your own roof. Wishing you and your family a fun, safe, and happy Halloween from all of us at Loan Factory! 👻🍬

Are you ready to find a place of your own to celebrate future holidays? Send us a message today!

Chris Carter | NMLS #619947 | DRE #01389819
Loan Factory | NMLS #320841 | DRE #01771313

10/30/2026

Your pre-approval limit and your comfortable monthly budget aren't always the same thing! 🏡

While pre-approval shows what you qualify for, property taxes, insurance, HOA dues, and personal savings goals determine what you should actually spend each month.

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

For informational purposes only. Not a commitment to lend.

Chris Carter | NMLS #619947 | DRE #01389819
Loan Factory | NMLS #320841 | DRE #01771313

10/29/2026

Are you a real estate investor looking to expand your portfolio? 🏠

With DSCR financing, qualification centers on the property's rental income rather than traditional personal income documentation. That can mean less paperwork and a simpler path to funding your next deal.

Planning your next investment? Send me a message with DSCR to explore your options!

For informational purposes only. Not a commitment to lend.

Chris Carter | NMLS #619947 | DRE #01389819
Loan Factory | NMLS #320841 | DRE #01771313

10/29/2026

Huge shoutout to Chris Carter on an incredible clear-to-close in just 9 days! 🎯

Getting a loan fully cleared that quickly takes serious focus and dedication. Chris stayed on top of every single detail from day one to make sure everything moved forward without missing a beat. 🎉

Way to go, Chris! So proud to work alongside you and watch you pull off big wins like this for your clients. 🔑

Chris Carter | NMLS #619947 | DRE #01389819
Loan Factory | NMLS #320841 | DRE #01771313

10/28/2026

Thinking about using family gift funds for your down payment? 🏡

Gift funds can be a great option for homebuyers, but guidelines on who can donate and how funds must be documented depend on your specific loan program.

Have questions about how this works? Drop a comment below or send me a direct message 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.

Chris Carter | NMLS #619947 | DRE #01389819
Loan Factory | NMLS #320841 | DRE #01771313

10/27/2026

Unlocking your home equity can give you the flexibility you need for upcoming expenses and new opportunities! 🏡

With our streamlined HELOC program, eligible homeowners get access to a simple online application, flexible rate options, and customized credit lines.

Ready to see what options may be available to you? Send me a message today to get started!

For informational purposes only. Not a commitment to lend.

Chris Carter | NMLS #619947 | DRE #01389819
Loan Factory | NMLS #320841 | DRE #01771313

10/26/2026

Thinking about buying a home this fall? 🍂 Housing conditions shift throughout the year, and autumn often brings unique opportunities in your local market.

Send me a message today! Let's explore your financing options so you can make your move with confidence. 💬

Market conditions vary by location. For informational purposes only.

Chris Carter | NMLS #619947 | DRE #01389819
Loan Factory | NMLS #320841 | DRE #01771313

10/23/2026

Mortgage Myth: Getting pre-approved locks you into using that specific lender! 💡

The truth? A pre-approval helps you understand your potential buying power, but you are still free to compare available loan options before making your final decision.

👉 Have questions about buying a home? Message us today to get informed before your next move!

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

Chris Carter | NMLS #619947 | DRE #01389819
Loan Factory | NMLS #320841 | DRE #01771313

Address

Sacramento, CA

Opening Hours

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

Telephone

+19167948042

Website

http://www.loanqualifi.com/

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