James 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:
With a strong background in finance and a deep commitment to helping clients achieve their homeownership and investment goals, I specialize in providing tailored mortgage solutions for a wide range of borrowers. Whether you're a first-time homebuyer, a seasoned investor, or a foreign national looking to purchase property in the U.S., I have the expertise to guide you through the process.
I offer FHA, Conventional, and VA loans, along with specialized Non-QM loan programs, including Foreign National loans and DSCR (Debt-Service Coverage Ratio) loans for real estate investors. I understand that not every borrower fits the traditional lending mold, and I take pride in finding the best solutions for self-employed individuals, investors, and international buyers.
With a detail-oriented approach and a dedication to securing the most competitive rates and terms, I ensure my clients make smart financial decisions while simplifying the mortgage process. Buying a home or investing in real estate is a big step, and I’m here to make it as smooth and stress-free as possible.
Let’s work together to find the best loan solution for your needs and turn your real estate goals into reality!
Phone: (850) 345-7718
NMLS#: 2633990
License: FL, GA, NC
Spoken Language: English, Vietnamese
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 241 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
241+
Number of Lenders
11068+
1717+
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!
Quick Loans, Anytime, Anywhere!
