Loan Factory

Loan Factory NMLS #320841 | CA-DRE 01771313
The best mortgage platform
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Loan Factory strives to drive down the rate, deliver low rates with no or low costs to our clients, and improve constantly in providing excellent customer service. We have closed successfully over 20,000 loans, and most of the loans are closed within 25 days or less. NMLS #320841 | CA-DRE 01771313 | BK-2005457
Consumer Access: nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/320841

We have an i

nnovative website that clients can visit at https://loanfactory.com. Our website provides real-time and instant quotes that clients can find out quickly. In addition, clients can set up a Rate Alert so when the targeted rate/cost hit, our system will send out an email to the clients to let them know. We have a Chat Now feature that enables our clients to chat to one of our experienced staff regarding any quotes/costs, the loan process, and any general questions about refinancing. We are Equal Housing Lender
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Planning to use an FHA loan? Your credit evaluation process is evolving. As the mortgage industry begins adopting newer ...
05/28/2026

Planning to use an FHA loan? Your credit evaluation process is evolving.

As the mortgage industry begins adopting newer scoring models like VantageScore 4.0 and FICO 10T, the FHA confirmed it will continue using a tri-merge credit report pulling data from all three major credit bureaus.

What this means for buyers:
✔ A broader view of your credit profile
✔ More consistency in evaluation
✔ Updated scoring models entering the market

As credit standards continue evolving, understanding your options matters more than ever.

👇 Explore your FHA loan options today at www.loanfactory.com/l/8mPfe61bcd28ed7


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LOAN FACTORY - WE DARE YOU TO COMPARE
Call us today! We're here to help with all your mortgage needs!
🔐 NMLS #320841 | BK-2005457
RI Licensed Loan Broker | Licensed by the NJ Department of Banking and Insurance

Consider this your official "heads up." 👀A recent client just dropped the ultimate recommendation for anyone entering th...
05/28/2026

Consider this your official "heads up." 👀

A recent client just dropped the ultimate recommendation for anyone entering the housing market: "Just a heads up to anyone that's looking for the best lender for your dream home, don't hesitate to contact this staff."

Don't let lending hurdles stand between you and your dream home. Our team is here to help simplify the process and support you every step of the way.

Read more client stories and explore your options here: www.loanfactory.com/l/jURfe61bcd03734


_________________________________
LOAN FACTORY - WE DARE YOU TO COMPARE
Call us today! We're here to help with all your mortgage needs!
🔐 NMLS #320841 | BK-2005457
RI Licensed Loan Broker | Licensed by the NJ Department of Banking and Insurance

🚨 Mortgage rates are moving higher, but that doesn’t mean your homebuying plans have to stop. As rates and market volati...
05/27/2026

🚨 Mortgage rates are moving higher, but that doesn’t mean your homebuying plans have to stop.

As rates and market volatility continue shifting, many buyers are adjusting their strategy by:
✔ Negotiating seller credits
✔ Exploring different price ranges
✔ Moving quickly when the right opportunity appears

In today’s market, preparation matters more than perfect timing.

See today’s mortgage rates 👉 www.loanfactory.com/l/ULmfe61bcd08d0c


______________________________
LOAN FACTORY - WE DARE YOU TO COMPARE
Call us today! We're here to help with all your mortgage needs!
🔐 NMLS #320841 | BK-2005457
RI Licensed Loan Broker | Licensed by the NJ Department of Banking and Insurance

POV: You came to Georgia for the sunshine… but stayed for the financial glow-up. Buying a home is important. How you fin...
05/27/2026

POV: You came to Georgia for the sunshine… but stayed for the financial glow-up.

Buying a home is important. How you finance it matters too.

Check the graphic to see the long-term difference.

👇 Explore your Georgia mortgage options in the link in bio.


_________________________________
LOAN FACTORY - WE DARE YOU TO COMPARE
Call us today! We're here to help with all your mortgage needs!
🔐 NMLS #320841 | BK-2005457
RI Licensed Loan Broker | Licensed by the NJ Department of Banking and Insurance

If America needs more homes, why are builders slowing down? The issue isn’t just supply, it’s buyer demand.Builders are ...
05/26/2026

If America needs more homes, why are builders slowing down?

The issue isn’t just supply, it’s buyer demand.

Builders are still working through a large number of completed homes that haven’t sold yet. With higher mortgage rates affecting affordability, many builders are slowing new projects until inventory moves.

That’s why today’s housing market feels so mixed:
🏡 Inventory exists in some areas
📉 Demand remains rate-sensitive
💰 Affordability continues driving decisions

Understanding financing and monthly payment options matters more than ever in this market.

👇 Explore your mortgage options today at www.loanfactory.com/l/8mPfe61bcd28ed7


_________________________________
LOAN FACTORY - WE DARE YOU TO COMPARE
Call us today! We're here to help with all your mortgage needs!
🔐 NMLS #320841 | BK-2005457
RI Licensed Loan Broker | Licensed by the NJ Department of Banking and Insurance

More than a brokerage. More than a network. As CEO of Loan Factory, Thuan Nguyen shared during the Loan Factory Summit i...
05/26/2026

More than a brokerage. More than a network.

As CEO of Loan Factory, Thuan Nguyen shared during the Loan Factory Summit in Vietnam, real success is built through strong human connection and teamwork.

From Ho Chi Minh City to Da Nang, our Loan Officers and support teams came together to connect, celebrate, and grow as one global team. 🤝

At Loan Factory, we believe culture matters. When people support each other and grow together, everyone wins.

If you’re looking for more than just a place to work, this is the community you’ve been searching for.

👇 Follow us for more moments from the LF Summit and the culture behind Loan Factory.


__________________________________
LOAN FACTORY - WE DARE YOU TO COMPARE
Call us today! We're here to help with all your mortgage needs!
🔐 NMLS #320841 | BK-2005457
RI Licensed Loan Broker | Licensed by the NJ Department of Banking and Insurance

High mortgage rates are pushing the housing industry to get more creative. New financing strategies like ARM buydowns an...
05/25/2026

High mortgage rates are pushing the housing industry to get more creative.

New financing strategies like ARM buydowns and land lease structures are helping some buyers lower upfront costs and monthly payments.

One newer option? Separating the home from the land in the financing structure, which may improve affordability for certain buyers.

In today’s market, loan structure matters just as much as rate.

👇 Want to explore your options? Visit www.loanfactory.com/l/8mPfe61bcd28ed7


__________________________________
LOAN FACTORY - WE DARE YOU TO COMPARE
Call us today! We're here to help with all your mortgage needs!
🔐 NMLS #320841 | BK-2005457
RI Licensed Loan Broker | Licensed by the NJ Department of Banking and Insurance

This Memorial Day, we honor the sacrifices that made the security of home possible. Every family gathering, quiet evenin...
05/25/2026

This Memorial Day, we honor the sacrifices that made the security of home possible.

Every family gathering, quiet evening, and sense of stability at home is built on freedoms protected by those who served.

At Loan Factory, we’re grateful for that sacrifice and committed to helping families build lasting financial security through homeownership.

This week, we’re offering complimentary mortgage strategy sessions to help families better understand their options and plan for the future with confidence.

👇 Ready to take the next step toward your family’s future? Check the link in our bio.


__________________________________
LOAN FACTORY - WE DARE YOU TO COMPARE
Call us today! We're here to help with all your mortgage needs!
🔐 NMLS #320841 | BK-2005457
RI Licensed Loan Broker | Licensed by the NJ Department of Banking and Insurance

When the team hits big goals, the celebration should match. 🥂Throwback to an unforgettable Summit Gala celebrating the L...
05/24/2026

When the team hits big goals, the celebration should match. 🥂

Throwback to an unforgettable Summit Gala celebrating the Loan Officers who continue to raise the bar and make a real impact for families across the country.

Surrounded by industry leaders, teammates, and incredible energy, we celebrated the hard work, growth, and vision driving Loan Factory forward. 🚀

At Loan Factory, success never goes unnoticed.
Terry Huy Loan Officer Hannah Nguyen Hannah Nguyen - Loan Officer Anne Nguyen The Loan Lady Anne Andre King Justin Gauthier Thu Le Jerry Kindig David Kim Nancy Nguyen Nancy Nghiem Nguyen Craig Barton Minh Voduy Sr. Sheilla Moya Lavadia Sheilla Lavadia - Nmls #1399453 Vivian Pang Christopher Max Sobe Dhital Austin Dominguez Hanh Nguyen Hanh Nguyen - Real Estate and Mortgage Services Daniel Arevalo

👇 Follow for more moments from the LF Summit and the people behind the success.


_________________________________
LOAN FACTORY - WE DARE YOU TO COMPARE
Call us today! We're here to help with all your mortgage needs!
🔐 NMLS #320841 | BK-2005457
RI Licensed Loan Broker | Licensed by the NJ Department of Banking and Insurance

Mortgage lenders are starting to change how credit is evaluated. 📊🏡For years, mortgage approvals relied heavily on tradi...
05/23/2026

Mortgage lenders are starting to change how credit is evaluated. 📊🏡

For years, mortgage approvals relied heavily on traditional FICO scores. Now, newer scoring models like VantageScore 4.0 and FICO 10T are beginning to enter the conversation across the industry.

What does this mean for buyers?
Different scoring models may evaluate credit history differently, which could impact qualification outcomes and loan pricing.

As these changes continue evolving, comparing lenders and understanding your options becomes even more important.

👇 Want to explore your mortgage options? Visit www.loanfactory.com/l/8mPfe61bcd28ed7


_________________________________
LOAN FACTORY - WE DARE YOU TO COMPARE
Call us today! We're here to help with all your mortgage needs!
🔐 NMLS #320841 | BK-2005457
RI Licensed Loan Broker | Licensed by the NJ Department of Banking and Insurance

05/23/2026

That “Clear to Close” feeling? It means the shopping ban is officially over.

Before closing, we always tell buyers: no new credit, no big purchases, no surprise furniture runs.

But once those keys are in your hand? Time to turn that empty house into your home.

👇 Ready for your own “Clear to Close” moment? Start your homebuying journey with Loan Factory today.


________________________________
LOAN FACTORY - WE DARE YOU TO COMPARE
Call us today! We're here to help with all your mortgage needs!
🔐 NMLS #320841 | BK-2005457
RI Licensed Loan Broker | Licensed by the NJ Department of Banking and Insurance

Address

2195 Tully Road
San Jose, CA
95122

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+17144449999

Website

https://blog.loanfactory.com/, http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY

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