Payal Chhelavda NMLS # 2007507

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United States
San Jose, CA
Payal Chhelavda NMLS # 2007507

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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

11/02/2026

Did you know your home equity could unlock new financial options? 🏡 Whether you want to fund home improvements, consolidate debt, or cover major expenses, tapping into your equity can offer valuable flexibility for your goals.

Send me a message today, and let's explore what options make sense for your situation! 📩

For informational purposes only. Not a commitment to lend.

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

11/02/2026

Down Payment Help Buyers Should Know | Home Loan

10/31/2026

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

Whether you are trick-or-treating around the neighborhood or enjoying a cozy night in your home, we hope your evening is filled with sweet treats, great memories, and just the right amount of fun.

What is your favorite Halloween candy or tradition? Let us know in the comments below, and have a safe and happy night!

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

10/30/2026

Just because you're pre-approved for a certain amount doesn't mean it fits your personal comfort zone! 🏡 Your max approval limit isn't your monthly budget. Extra costs like property taxes, insurance, HOA dues, and maintenance all affect what you actually pay each month. 💡

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

For informational purposes only. Not a commitment to lend.

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

10/29/2026

Real estate investors, looking to grow your portfolio beyond traditional income requirements? 🏢

DSCR financing focuses on whether a property's qualifying rental income can cover the debt, requiring less personal income documentation depending on your loan scenario.

Ready for your next rental property? Message me DSCR today and let's explore your options! 📩

For informational purposes only. Not a commitment to lend.

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

10/29/2026

3-2-1 Buydown Mortgage, Explained | Home Loan

10/28/2026

Can family help you buy a home? 🏡 Using gift funds for your down payment is a great option for eligible buyers, but specific guidelines depend on your loan program and how the funds are documented.

Have questions about what applies to your situation? Drop a comment below or send me a direct message to learn more!

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

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

10/28/2026

Rate Locks Protect Home-Loan Budgets | Home Loan

10/27/2026

Buying Your First Home? We’re Here to Help
Affordable loan options, expert guidance, and step-by-step support to make homeownership a reality.
https://www.roomvu.com/services/page/first-time-homebuyer-loans?agent_profile_name=payal-chhelavda

10/27/2026

Your home equity can unlock new possibilities for your upcoming plans and financial goals! 🏡 With our streamlined HELOC options, eligible homeowners can easily apply online and explore flexible solutions tailored to their needs.

Ready to see what options are available for you? Send me a message today to learn more!

For informational purposes only. Not a commitment to lend.

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

Address

2195 Tully Road
San Jose, CA
95122

Website

https://www.loanfactory.com/payalchhelavda/

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