Bryan Payne

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

Did you know your home equity could give you more options for your financial future? 🏡Whether you're considering a HELOC...
10/16/2026

Did you know your home equity could give you more options for your financial future? 🏡

Whether you're considering a HELOC or a reverse mortgage, accessing your equity depends on your specific goals, property, and eligibility. Every option works differently, so understanding the costs and repayment terms is key before making a move.

Want to see which option might fit your situation? Send me a message today, and let’s explore them together! 📩

For informational purposes only. Product availability, eligibility, rates, fees, terms, and requirements vary. Reverse mortgage borrowers must meet applicable program requirements. Not financial, tax, or legal advice. Not a commitment to lend.

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

How well do you know what goes into getting a mortgage approval? 🏡Qualifying for a home loan takes into account your ful...
10/15/2026

How well do you know what goes into getting a mortgage approval? 🏡

Qualifying for a home loan takes into account your full financial picture, including your credit, income, debts, available funds, and property details.

Think you know the answer? Drop A, B, C, or D in the comments below! Then send me a message if you want to learn how these factors apply to your personal home financing goals. 💬

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

What does your next move look like? 🏡Whether you are buying your first home, looking for more space, or stepping into yo...
10/14/2026

What does your next move look like? 🏡

Whether you are buying your first home, looking for more space, or stepping into your dream house, your financing strategy should always be tailored to your specific goals, budget, and timeline.

Which home style are you aiming for next? Drop your answer in the comments below, or send me a message today to start exploring your tailored financing options!

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

Your next chapter starts with a simple plan! 🏡Whether you are buying your first home, moving into a bigger space, or inv...
10/13/2026

Your next chapter starts with a simple plan! 🏡

Whether you are buying your first home, moving into a bigger space, or investing in your future, understanding your financing options helps you make confident, informed decisions. You don’t need to have every detail figured out before taking that first step.

Thinking about your next move? Send me a message and let’s talk through your options!

For informational purposes only. Loan programs, rates, terms, fees, and eligibility vary by borrower and scenario. Not a commitment to lend.

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

Did you know your home equity can play a key role in your retirement strategy? 🏡For eligible homeowners, a reverse mortg...
10/12/2026

Did you know your home equity can play a key role in your retirement strategy? 🏡

For eligible homeowners, a reverse mortgage lets you access a portion of your equity while continuing to live in the home you love. While it can offer helpful financial flexibility, it's essential to carefully review the costs, responsibilities, and long-term considerations involved.

Want to learn how a reverse mortgage works? Send me a message today and let’s discuss if it fits your situation! 💬

For informational purposes only. Not financial, legal, or tax advice. Eligibility, proceeds, fees, terms, and requirements vary. Borrowers remain responsible for applicable property taxes, homeowners insurance, property maintenance, and other loan obligations. Not a commitment to lend.

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

Happy Columbus Day from all of us at Loan Factory! 🌎Today, we honor the spirit of exploration and the courage to embark ...
10/12/2026

Happy Columbus Day from all of us at Loan Factory! 🌎

Today, we honor the spirit of exploration and the courage to embark on new journeys. If your next big journey involves finding a place to call home, our team is always here to help you navigate the way.

Wishing you and your family a safe and meaningful holiday!

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

One home, many ways to finance it! 🏡 Since different lenders offer different programs and requirements, it pays to shop ...
10/09/2026

One home, many ways to finance it! 🏡 Since different lenders offer different programs and requirements, it pays to shop around. With access to over 240 wholesale lenders, Loan Factory can help you compare multiple scenarios to find the right fit for your goals. 🙌

Ready to buy a home? Message me today to explore your options! 📩

For informational purposes only. Lender availability, rates, APRs, fees, programs, terms, and eligibility vary by borrower, property, lender, and market conditions. Not a commitment to lend.



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

Thinking about buying a home soon? Starting early gives you the breathing room to compare loan options, organize your pa...
10/08/2026

Thinking about buying a home soon? Starting early gives you the breathing room to compare loan options, organize your paperwork, and make confident decisions without the pressure. 🏡✨

Send me a message today, and let's start mapping out your homeownership journey together!

For informational purposes only. Loan options, rates, terms, and eligibility vary by borrower and scenario. Not a commitment to lend.

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

Thinking of using your VA loan benefit? 🇺🇸 While a 0% down payment is a major advantage, it is important to know that ze...
10/07/2026

Thinking of using your VA loan benefit? 🇺🇸 While a 0% down payment is a major advantage, it is important to know that zero down does not always mean zero out of pocket at closing. Upfront expenses and closing fees can still apply depending on your situation.

Message me today and let's walk through your options together!

For informational purposes only. VA eligibility, funding fees, closing costs, credits, terms, and qualifications vary by borrower, property, lender, and loan scenario. Subject to applicable VA and lender requirements. Not a commitment to lend.

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

Ready to make your move? Your mortgage team should be just as ready as you are! 🏡At Loan Factory, we combine advanced te...
10/06/2026

Ready to make your move? Your mortgage team should be just as ready as you are! 🏡

At Loan Factory, we combine advanced technology with dedicated support to keep your loan moving smoothly from application to closing. When you find the perfect home, we are here to help make the financing process seamless and stress-free.

Planning to buy soon? Send me a message today and let's get started!

For informational purposes only. Closing timelines vary based on borrower circumstances, property, lender requirements, documentation, and other factors. Not a commitment to lend.

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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