Sam Klaburner, NMLS 140132

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Sam Klaburner, NMLS 140132 SAM KLABURNER - NMLS 140132
The idea of a mortgage can be intimidating. What if there was another way? No waiting. No wondering.

Home Purchase • Refinance • Construction • Investment Property • Commercial • DSCR • Non-QM • FHA • VA • USDA • Conventional • Jumbo
Loan Factory – NMLS #320841
NMLS #140132 Whether it's your first home buying experience or your "next" home, the lengthy mortgage approval and funding process can take the excitement out of getting the keys to your new home. It’s possible to fund your mortgage in a way that allows you to walk away with the keys to your home at closing. No wishing things could move faster. It’s called table funding—and the
Team has a FREE guide to help you understand how it works!

Happy Halloween from all of us at Loan Factory! 🎃✨We hope your night is filled with sweet treats, wonderful memories, an...
31/10/2026

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

We hope your night is filled with sweet treats, wonderful memories, and just the right amount of spooky fun. Whether you are trick-or-treating around the neighborhood or relaxing in your cozy home, we wish you a safe and happy holiday.

What is your favorite Halloween treat? Tell us in the comments below! 👇

Sam Klaburner | NMLS #140132
Loan Factory | NMLS #320841

Just because you are pre-approved for a certain amount doesn't mean that is what you should spend! 🏡 Property taxes, ins...
30/10/2026

Just because you are pre-approved for a certain amount doesn't mean that is what you should spend! 🏡 Property taxes, insurance, HOA dues, and maintenance all impact your actual monthly payment. Let's look beyond the maximum number and build a budget that keeps you comfortable.

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

For informational purposes only. Not a commitment to lend.

Sam Klaburner | NMLS #140132
Loan Factory | NMLS #320841

Ready to expand your real estate portfolio without relying on personal tax returns? 🏠✨DSCR financing evaluates a propert...
29/10/2026

Ready to expand your real estate portfolio without relying on personal tax returns? 🏠✨

DSCR financing evaluates a property based on its rental income potential rather than traditional personal income documentation, offering a practical path to scale your portfolio.

Send me a message with DSCR today to explore your options!

For informational purposes only. Not a commitment to lend.

Sam Klaburner | NMLS #140132
Loan Factory | NMLS #320841

Big shoutout to Sam Klaburner today! 🎉Getting that conditional approval notice is such a big step in the mortgage proces...
28/10/2026

Big shoutout to Sam Klaburner today! 🎉

Getting that conditional approval notice is such a big step in the mortgage process, and Sam handled this one with absolute focus. 🎯 He worked right alongside his buyers to get their file ready, and underwriting just gave the official thumbs-up with only a few final items left to gather. ✅

We are so close to the finish line now! Way to go, Sam—thanks for taking such great care of your clients and bringing them one major step closer to getting their keys. 🔑

Sam Klaburner | NMLS #140132
Loan Factory | NMLS #320841

Planning to use gift funds from family for your down payment? 🎁 While gift funds are a fantastic option for eligible hom...
28/10/2026

Planning to use gift funds from family for your down payment? 🎁 While gift funds are a fantastic option for eligible homebuyers, the rules depend on your specific loan program and transaction. Drop your thoughts in the comments or send me a direct message to see how gift funds could work for your situation!

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

Sam Klaburner | NMLS #140132
Loan Factory | NMLS #320841

Unlock the power of your home equity! 🏡 Whether you're planning home renovations or preparing for upcoming opportunities...
27/10/2026

Unlock the power of your home equity! 🏡 Whether you're planning home renovations or preparing for upcoming opportunities, a HELOC can give you the financial flexibility you need. Enjoy a streamlined online application process and customized options based on your unique goals.

Ready to explore what's available to you? Message me today to learn more!

For informational purposes only. Not a commitment to lend.

Sam Klaburner | NMLS #140132
Loan Factory | NMLS #320841

Thinking about buying a home this fall? 🍂Housing conditions shift throughout the year, making local market knowledge ess...
26/10/2026

Thinking about buying a home this fall? 🍂

Housing conditions shift throughout the year, making local market knowledge essential before you make a move. Let's explore your financing options together so you can shop with confidence! 🏠

Send me a message today to discuss your real estate goals.

Market conditions vary by location. For informational purposes only.

Sam Klaburner | NMLS #140132
Loan Factory | NMLS #320841

Myth vs. Fact: Getting pre-approved does NOT mean you're stuck with that lender! 💡While a pre-approval gives you a clear...
23/10/2026

Myth vs. Fact: Getting pre-approved does NOT mean you're stuck with that lender! 💡

While a pre-approval gives you a clear picture of your buying power, you still have the freedom to compare your loan options before committing to a final mortgage.

👉 Get informed before you make your next move. Reach out today to explore your options!

Pre-approval is subject to verification, underwriting guidelines, and lender requirements. Not a commitment to lend.

Sam Klaburner | NMLS #140132
Loan Factory | NMLS #320841

Real estate investors: Did you know your property’s cash flow could help you qualify for your next loan? 🏡DSCR loans foc...
22/10/2026

Real estate investors: Did you know your property’s cash flow could help you qualify for your next loan? 🏡

DSCR loans focus on rental income and debt obligations rather than traditional personal income qualification. Because every property and scenario is unique, requirements will vary to fit your specific goals.

Send us a message today to explore your DSCR loan options!

Programs subject to guidelines. Not all borrowers will qualify.

Sam Klaburner | NMLS #140132
Loan Factory | NMLS #320841

Buying a home doesn’t have to feel overwhelming when you have a clear roadmap. From pre-approval to grabbing the keys at...
21/10/2026

Buying a home doesn’t have to feel overwhelming when you have a clear roadmap. From pre-approval to grabbing the keys at closing, knowing what comes next helps you move forward with complete confidence.

Here is a quick look at the process:
✅ Get pre-approved
🏡 Start house hunting
📄 Loan processing and underwriting
🔑 Prepare for closing day

Ready to take the first step? Send me a message today to get started!

Sam Klaburner | NMLS #140132
Loan Factory | NMLS #320841

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