A Better Home Loan starts with
a Better Interest Rate Instant Rate Quote

Quick Quote. NO SSN, NO Credit Check, NO Hassle, Start Here to Compare Rates >>>>>>

Opening Time

Mon - Fri 09:00 - 18:00
Sat 09:00 - 14:00

Heidi Torkko

Heidi Torkko

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:

NMLS#: 2676502

License: OR, WA

Spoken Language: English

My reviews on Google

Not only is Heidi an incredible realtor, but she is a top tier human being. We just wrapped up with buying my first home and I am so grateful that I had Heidi in my corner. Throughout the process I asked A LOT of questions and she was always patient, kind, and available to answer. Plus she knows soooo much! She is a wealth of knowledge and she shares it with a palpable passion for her career and clients. I always knew that Heidi had my best interest in mind and that is a rare quality to come by. When it comes to paperwork, deadlines, and contractors- she is on top of it all! We did a 30 day close and she never missed a beat. Heidi walked me through every step, always making sure that I felt comfortable anytime I was signing a document. I could go on and on about how great she is but I’ll leave it at this- if you are looking for a realtor who knows the ins and outs of home buying and selling, is an absolute joy to be around and turns a transaction into a memorable experience.. then Heidi is the one for you!
Heidi was incredibly awesome to work with. My home in Gresham, Oregon presented a few challenges with the interest rate rates and home inspection issues. Heidi kept me calm through these challenges and guided me with her vast knowledge from years of experience with overcoming my obstacles. I would definitely recommend her to friends and family in the region. Thank you for all your help Heidi!!
We purchased our first home in December of 2024 and we were BLESSED to have Heidi as our agent. Heidi was incredibly thorough in explaining everything to us as first-time home buyers. She worked diligently and helped us find our perfect home. A little over a year later, Heidi helped us refinance and found us a rate 2 percentage points lower!! Again, she was delightful to work with and explained everything with great care from start to finish. The level of heart Heidi puts into building relationships with her clients is unparalleled. She is an extraordinary human, a true gem!

My reviews on Zillow

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 228 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

228+

Number of Lenders

18606+



(Avg. 5.0) Google Reviews

2442+

Loan officers

48

Licensed states

express

Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

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.

Re-finance Low Rate

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.

Re-finance Cash Out

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.

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.

Contact us today

Your home is one call away. We will get back to you immediately.

CONTACT US NOW

Fast funding,
easy application.
Get your loan today!

Quick Loans, Anytime, Anywhere!

phone mockup
You can use the "Loan Factory" mobile app to check rates, apply for a loan, upload documents, and communicate with our team.
Loan Factory Logo
Download "Loan Factory" Mobile App
🌐
I will skip for now
Powered by
MOSO logo