Jana Lozovanu, Loan Officer

Jana Lozovanu, Loan Officer Loan Officer NMLS # 2226979
Loan Factory, Inc NMLS # 320841 COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
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The Views Expressed are my own and do not necessarily reflect those of American Loan Factory, Inc
Company ID # 320841
Company Name: Loan Factory, Inc. Company Main Address 2195 Tully Road San Jose, California 95122

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXA

S DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Happy Labor Day! Today, we honor the dedication and hard work of American workers. Your commitment fuels our communities...
09/07/2026

Happy Labor Day! Today, we honor the dedication and hard work of American workers. Your commitment fuels our communities and makes dreams of homeownership a reality. We hope you have a safe and relaxing day!

Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Your homeownership journey is unique, and so should be your mortgage! 🏡 I'm here to help you navigate a variety of loan ...
09/05/2026

Your homeownership journey is unique, and so should be your mortgage! 🏡 I'm here to help you navigate a variety of loan options, from Conventional and FHA to VA, Jumbo, HELOC, DSCR, and investment financing. Let's discuss your goals and find the perfect financing path for you. Send me a message to get started!

Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Dreaming of a custom-built home? 🏡 Don't just settle! Construction loans can make your dream a reality, funding your new...
09/04/2026

Dreaming of a custom-built home? 🏡 Don't just settle! Construction loans can make your dream a reality, funding your new home from the ground up with phased fund releases. Let's explore how we can build the perfect financing for your future home. Message me to get started!



Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Ready to buy your first home? 🏡 Don't let the process feel overwhelming!A little planning goes a long way to making your...
09/03/2026

Ready to buy your first home? 🏡 Don't let the process feel overwhelming!

A little planning goes a long way to making your homeownership dreams a reality. Focus on these key steps:

1. Understand your budget.
2. Save for your down payment.
3. Review your credit.
4. Get pre-approved for a loan.
5. Factor in closing costs.

Thinking about taking the leap? Message me to create your personalized homebuying game plan!



Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Before reducing your seller’s price by $15,000, compare the numbers.When a listing has been sitting for 30+ days, the fi...
09/02/2026

Before reducing your seller’s price by $15,000, compare the numbers.

When a listing has been sitting for 30+ days, the first reaction is often a price reduction.

But if the buyer’s biggest concern is the monthly payment, a seller-funded 2/1 temporary buydown may have a much greater short-term impact.

Here’s an example based on a $450,000 home, 5% down, a 30-year fixed loan, and a 6.25% note rate:

Option 1: Reduce the price by $15,000

New price: $435,000
Estimated monthly P&I savings: approximately $88

Option 2: Offer a seller-funded 2/1 temporary buydown

Estimated seller cost: approximately $9,608
Year 1 payment reduction: approximately $529 per month
Year 2 payment reduction: approximately $272 per month
Potential seller savings compared with the price reduction: approximately $5,392

In this example, the temporary buydown creates approximately six times more monthly payment relief during the first year while costing the seller less.

A price reduction can still make sense—especially when pricing, appraisal, or qualification is the concern. But when the buyer is focused on the initial monthly payment, it’s worth comparing both options before reducing the price.

Realtors: If you have a listing that isn’t moving, send me the price and estimated seller contribution. I’ll prepare a side-by-side payment comparison for you.

Dreaming of your own home? 🏡 Let Loan Factory guide you through the mortgage process with clarity and ease. Understandin...
08/31/2026

Dreaming of your own home? 🏡 Let Loan Factory guide you through the mortgage process with clarity and ease. Understanding your financing options and getting pre-approved is a smart first step before you start your home search. We're here to make your journey to homeownership smoother!



Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Dreaming of your own place? 🏡 Let's make that dream a reality!Taking the first step towards homeownership starts with un...
08/27/2026

Dreaming of your own place? 🏡 Let's make that dream a reality!

Taking the first step towards homeownership starts with understanding your financing options and getting pre-approved. At Loan Factory, we're here to guide you through the home loan process, making it clearer and simpler.

Your next home might be closer than you think!



Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Every homeownership dream begins with a single step! 🏡Whether you're buying your first home, looking to upgrade, or expl...
08/25/2026

Every homeownership dream begins with a single step! 🏡

Whether you're buying your first home, looking to upgrade, or exploring financing, understanding your program options can empower your journey. Your future home might be closer than you think. Let's explore your mortgage possibilities together!

Loan programs, terms, and eligibility vary. Subject to underwriting approval.



Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Fixed-rate or adjustable-rate mortgage (ARM)? 🤔 Finding the right fit for your homeownership journey is key! A fixed rat...
08/24/2026

Fixed-rate or adjustable-rate mortgage (ARM)? 🤔 Finding the right fit for your homeownership journey is key! A fixed rate offers stability, while an ARM might start lower but can change over time.

Let's explore which option aligns best with your plans, budget, and comfort level with future rate adjustments. Send me a message to discuss your unique situation!



Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

So thrilled to share that this family is officially funded and on their way to making new memories in their home! 🏠 Seei...
08/21/2026

So thrilled to share that this family is officially funded and on their way to making new memories in their home! 🏠 Seeing this milestone reached is truly the best part of what I do. Huge thanks to everyone who made this happen!

Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Address

2195 Tully Road
San Jose, CA
95122

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18323703336

Website

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