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Rachel Pham
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
I am a dedicated and results-driven Mortgage Loan Officer committed to helping clients achieve their homeownership and investment goals with confidence and clarity. I specialize in guiding borrowers through every step of the mortgage process, ensuring they understand their options and feel supported from application to closing.
I have extensive experience working with first-time homebuyers, self-employed and 1099 borrowers, real estate investors, and families with complex financial profiles. My expertise includes Conventional, FHA, VA, Non-QM, DSCR, and Bank Statement loan programs, as well as handling credit challenges, rapid rescore situations, and time-sensitive transactions.
I am known for being detail-oriented, proactive, and highly responsive. I take pride in structuring loans that are realistic, sustainable, and tailored to each client’s unique financial situation. I work closely with borrowers, real estate agents, lenders, and title companies to ensure a smooth and efficient closing experience.
I am bilingual in English and Vietnamese, which allows me to serve a diverse client base and clearly communicate complex loan information in a way that is easy to understand. I believe that education, transparency, and trust are the foundation of every successful mortgage relationship.
Whether you are purchasing your first home, refinancing, or expanding your investment portfolio, I am committed to delivering a professional, stress-free mortgage experience with results you can rely on.
NMLS#: 1656687
License: IN, PA, TX, VA
Spoken Language: English, Vietnamese
My reviews on Google
My reviews on Loan Factory
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 226 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
- 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.
OUR ACCOMPLISHMENTS
226+
Number of Lenders
18427+
(Avg. 5.0) Google Reviews
2411+
Loan officers
48
Licensed states
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.
Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.
Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
Why Us
Independent Advice.
We commit to always give you independent advice regarding real estate and mortgage options.
Customer First.
We make less per loan than competitors and pass the extra savings to borrowers.
Low Available Rates
You will always get great deals with our real-time pricing engine.
Fast, Convenient, Local Service.
we are just one call away from your requirement.
Fast funding,
easy application.
Get your loan today!
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