Payal Chhelavda NMLS # 2007507

Payal Chhelavda NMLS # 2007507 Whether you're buying, selling, refinancing, or building your dream home, I am here to ensure that you make the right choice for you & your family.

Loan Factory | NMLS #320841; Payal Chhelavda | NMLS # 2007507

09/05/2026

The mortgage myth keeping middle-income renters on the sidelines
Let’s connect and talk about the latest insights in the industry!

Your unique financial journey deserves a mortgage solution tailored just for you! 🏡Whether you're looking at Conventiona...
09/05/2026

Your unique financial journey deserves a mortgage solution tailored just for you! 🏡
Whether you're looking at Conventional, FHA, VA, Jumbo loans, HELOCs, DSCR, or investment financing, I'm here to help you navigate the options. Let's connect and explore what works best for your goals and situation. What are you hoping to achieve?

NMLS #123456 Equal Housing Lender

Payal Chhelavda | NMLS #2007507
Loan Factory | NMLS #320841

Dreaming of building your perfect home? 🏡 Don't let the idea of financing stand in your way! Construction loans are desi...
09/04/2026

Dreaming of building your perfect home? 🏡 Don't let the idea of financing stand in your way! Construction loans are designed to help you fund your new build from the ground up, with funds released as your project progresses. We can even explore permanent financing options for when your home is complete. Ready to start building? Send me a message to discuss your construction loan possibilities!

Payal Chhelavda | NMLS #2007507
Loan Factory | NMLS #320841

Ready to buy your first home? 🏠 It doesn't have to be overwhelming!A little prep goes a long way. Focus on these key ste...
09/03/2026

Ready to buy your first home? 🏠 It doesn't have to be overwhelming!

A little prep goes a long way. Focus on these key steps:
✅ Understand your budget
✅ Save for your down payment
✅ Review your credit score
✅ Get pre-approved for a loan
✅ Budget for closing expenses

Let's create your personalized homebuying roadmap! Send me a message to get started.



Payal Chhelavda | NMLS #2007507
Loan Factory | NMLS #320841

09/02/2026

FHA Appraisal vs Home Inspection | Home Loan

Dreaming of homeownership? 🏡 Your first move towards making it a reality is understanding your financing options and get...
08/31/2026

Dreaming of homeownership? 🏡 Your first move towards making it a reality is understanding your financing options and getting pre-approved. Loan Factory is here to guide you through the home loan journey, making it clear and manageable. Your next home could be closer than you imagine!



Payal Chhelavda | NMLS #2007507
Loan Factory | NMLS #320841

08/31/2026

U.S. Condo Loans: Tougher Rules, Higher HOA Reserves | Home Loan

Dreaming of your first home? 🏠✨ Taking that crucial first step means understanding your financing and getting pre-approv...
08/27/2026

Dreaming of your first home? 🏠✨ Taking that crucial first step means understanding your financing and getting pre-approved. Loan Factory is here to simplify your home loan journey, making it a smoother and clearer experience. Your next chapter could be closer than you imagine!



Payal Chhelavda | NMLS #2007507
Loan Factory | NMLS #320841

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2195 Tully Road
San Jose, CA
95122

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