What are the opening hours?

Monday 9am - 8pm Tuesday 9am - 8pm Wednesday 9am - 8pm Thursday 9am - 8pm Friday 9am - 8pm Saturday 10am - 6pm Sunday 10am - 5pm

Greg Wilcox - NMLS #277718

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San Jose, CA
Greg Wilcox - NMLS #277718

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Greg Wilcox | NMLS #277718
Loan Factory, Inc | NMLS #320841
Providing opportunities for low rates, hassle free mortgages For information purposes only.

This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Northbay Home Loans | NMLS #277718 | Co NMLS #2235775 | California Dept. of Real Estate License #02163272
www.nmlsconsumeraccess.org | Equal Housing Opportunity

10/31/2026

Happy Halloween from all of us at Loan Factory! 🎃👻

Wishing you and your family a safe night filled with sweet treats, great memories, and just the right amount of spooky fun.

Are you heading out trick-or-treating or enjoying a cozy night at home? Let us know in the comments! 🍬🏡

Greg Wilcox | NMLS #277718 | DRE #01253818
Loan Factory | NMLS #320841 | DRE #01771313

10/30/2026

Just because you qualify for a higher amount doesn't mean you have to spend it! 💡

Your pre-approval shows your maximum limit, but property taxes, insurance, HOA dues, and your savings goals determine your actual monthly comfort zone.

Planning to buy? Send me a message and let's review your true numbers before you shop! 🏡

For informational purposes only. Not a commitment to lend.

Greg Wilcox | NMLS #277718 | DRE #01253818
Loan Factory | NMLS #320841 | DRE #01771313

10/29/2026

Looking to grow your rental portfolio without relying on traditional personal income documentation? 🏠

DSCR financing focuses on whether a property's rental income can support its debt, giving real estate investors a streamlined option.

Message me DSCR today to see how this could work for your next property!

For informational purposes only. Not a commitment to lend.

Greg Wilcox | NMLS #277718 | DRE #01253818
Loan Factory | NMLS #320841 | DRE #01771313

10/28/2026

Can family help you with your down payment? 🏡

Gift funds are a great option for eligible homebuyers, but the rules depend on your specific loan program. Who can provide the gift, how it is documented, and how it can be used all play an important role.

Drop A, B, C, or D in the comments, 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.

Greg Wilcox | NMLS #277718 | DRE #01253818
Loan Factory | NMLS #320841 | DRE #01771313

10/27/2026

Your home equity could be the key to unlocking new financial flexibility for upcoming expenses or opportunities! 🏡 With our streamlined HELOC program, eligible homeowners can easily apply online and explore flexible options tailored to their unique goals.

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.

Greg Wilcox | NMLS #277718 | DRE #01253818
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 to your local market.

Send me a message today and let’s explore your financing options before you make a move! 🏡

Market conditions vary by location. For informational purposes only.

Greg Wilcox | NMLS #277718 | DRE #01253818
Loan Factory | NMLS #320841 | DRE #01771313

10/23/2026

Myth: Getting pre-approved means you're locked in with that lender. 💡

A pre-approval helps you understand your buying power, but you aren't required to stick with that specific lender for your final mortgage. You still have the flexibility to compare loan options and choose what works best for you.

Get informed before you make your next move! Send us a message today to learn more about your options.

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

Greg Wilcox | NMLS #277718 | DRE #01253818
Loan Factory | NMLS #320841 | DRE #01771313

10/22/2026

Looking to grow your real estate portfolio? 🏢

With a DSCR loan, qualification is based on your investment property’s rental cash flow rather than traditional personal income documents. Every property scenario is unique, so finding the right loan structure is key to reaching your goals.

👉 Reach out today to explore your DSCR loan options!

Programs subject to guidelines. Not all borrowers will qualify.

Greg Wilcox | NMLS #277718 | DRE #01253818
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 process much easier to navigate.

Here is what your mortgage journey looks like:
✅ Get pre-approved
🏡 Start house hunting
📄 Move through processing & underwriting
🔑 Prepare for closing

Ready to take the first step? Send me a message today to get started!

Greg Wilcox | NMLS #277718 | DRE #01253818
Loan Factory | NMLS #320841 | DRE #01771313

10/20/2026

Thinking about buying a home soon? 🏡 Before you start scrolling through listings, take a moment to explore your financing options.

Knowing what you may qualify for gives you a clearer budget and the confidence you need to shop. Let’s chat about your goals and look at the right loan options for your journey!

👉 Send me a message today to get started.

Greg Wilcox | NMLS #277718 | DRE #01253818
Loan Factory | NMLS #320841 | DRE #01771313

Address

San Jose, CA

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	10am - 6pm
Sunday	10am - 5pm

Telephone

+18777935113

Website

http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/320841, https://www.mynuchoice.com/apply

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