Bryan Payne

Bryan Payne Bryan Payne | my rate is great
Loan factory | Loan officer
CO-NMLS: #320841 | NMLS: #2360741

Ready to make your move? 🏡Navigating the home buying journey can feel overwhelming, but it doesn't have to be! I'm here ...
08/11/2026

Ready to make your move? 🏡

Navigating the home buying journey can feel overwhelming, but it doesn't have to be! I'm here to simplify your financing options and create a clear path towards your homeownership goals.

Let's chat and explore what's possible for you. Call me today!



Bryan Payne | NMLS #2360741
Loan Factory | NMLS #320841

Need to close your next real estate deal in a flash? ⚡️Hard money loans offer the speed and flexibility savvy investors ...
08/07/2026

Need to close your next real estate deal in a flash? ⚡️

Hard money loans offer the speed and flexibility savvy investors need to seize opportunities quickly. Whether it's a fix-and-flip, expanding your rental income, or grabbing that perfect investment property, fast capital can be a game-changer.

Let's explore financing that helps you move faster and win more deals.

Contact me today to discuss your options!



Bryan Payne | NMLS #2360741
Loan Factory | NMLS #320841

Ready to make your homeownership dreams a reality? ✨Taking that first step can feel big, but it doesn't have to be compl...
08/06/2026

Ready to make your homeownership dreams a reality? ✨

Taking that first step can feel big, but it doesn't have to be complicated. The Loan Factory App puts the power in your hands, letting you explore loan options, compare solutions, and stay informed every step of the way, right from your phone. Your future home is closer than you think – let's start exploring today!



Bryan Payne | NMLS #2360741
Loan Factory | NMLS #320841

Your dream home is closer than you think! 🏡 Every homeowner's journey begins with a single conversation and a decision t...
08/04/2026

Your dream home is closer than you think! 🏡 Every homeowner's journey begins with a single conversation and a decision to take the next step. When you're ready to move from dreaming to planning, we're here to guide you with confidence. Let's make your next chapter a reality – your future home might be just one call away!

Bryan Payne | NMLS #2360741
Loan Factory | NMLS #320841

Ready to test your homebuying IQ? 🏡 Let's see how much you know about getting a Conventional Home Loan!What's the smalle...
08/03/2026

Ready to test your homebuying IQ? 🏡 Let's see how much you know about getting a Conventional Home Loan!

What's the smallest down payment you can make on one? 🤔 No peeking at Google!

Share your best guess in the comments below. We'll reveal the answer in our next post! Tag a friend who's dreaming of homeownership and challenge them too!



Bryan Payne | NMLS #2360741
Loan Factory | NMLS #320841

Your retirement plan is unique, and so are your financial goals. 🏡A reverse mortgage could be a smart option for eligibl...
07/31/2026

Your retirement plan is unique, and so are your financial goals. 🏡

A reverse mortgage could be a smart option for eligible homeowners looking to tap into their home equity and enhance their cash flow, depending on individual circumstances.

Let's explore how it might fit into your retirement strategy. Reach out today to learn more!



Bryan Payne | NMLS #2360741
Loan Factory | NMLS #320841

Did you know mortgage insurance can apply to conventional loans too? 🤔 It's often misunderstood, but depending on your l...
07/30/2026

Did you know mortgage insurance can apply to conventional loans too? 🤔 It's often misunderstood, but depending on your loan program and financed amount, it might be a factor. Understanding the specifics of your situation is key!

Have questions about mortgage insurance or your home loan options? Send me a message, and let's explore them together.

Mortgage insurance requirements vary by loan program and borrower qualifications. Not all borrowers will qualify. Terms and conditions apply.

Bryan Payne | NMLS #2360741
Loan Factory | NMLS #320841

Dreaming of homeownership? 🏡 It's a journey with exciting steps, from the initial idea to finally walking through your n...
07/29/2026

Dreaming of homeownership? 🏡 It's a journey with exciting steps, from the initial idea to finally walking through your new front door! We're here to guide you through every stage, making the process clear and manageable. Let us help you find the place where you belong.



Bryan Payne | NMLS #2360741
Loan Factory | NMLS #320841

So happy to see this loan funded! 🎉 It’s always a fantastic feeling when another family can fully move into their home, ...
07/29/2026

So happy to see this loan funded! 🎉 It’s always a fantastic feeling when another family can fully move into their home, and Bryan Payne was instrumental in making it happen. Huge congratulations to everyone involved on reaching this wonderful milestone! 🏠

Bryan Payne | NMLS #2360741
Loan Factory | NMLS #320841

Finding your dream home is just the beginning! 🏡 Let our expert team guide you through a smoother, faster, and easier jo...
07/23/2026

Finding your dream home is just the beginning! 🏡 Let our expert team guide you through a smoother, faster, and easier journey from application to closing. We're here to help you place that final piece and unlock your door to homeownership.



Bryan Payne | NMLS #2360741
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
Saturday 9am - 5pm

Telephone

+14704263475

Website

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