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Jason Sparkman
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:
Most mortgage loan officers started their careers in mortgages. I took a different path.
For over 20 years, I worked in business and commercial finance—evaluating thousands of credit applications for operating lines of credit, capital expenditure loans, construction financing, and real estate loans. Structuring these diverse financing deals taught me exactly what makes loans get approved. When I decided to bring that expertise to residential mortgages, I realized I could solve problems for homebuyers that most loan officers never even see.
I'm Jason Sparkman, and my superpower is turning "maybes" into "approved." With an MBA in finance and two decades analyzing creditworthiness across every type of financing structure, I know how to position your application for success.
I'm licensed in both California and Texas—states I've actually lived in—so I understand the unique challenges of each market. Combined with Loan Factory's access to multiple bank options and rates we guarantee won't be beaten, I can find solutions that work for your specific situation.
Whether you're a first-time buyer worried about qualifying or a homeowner looking to refinance, I'll make the process simple and transparent. No jargon, no surprises—just clear guidance from someone who truly understands lending.
When I'm not working with clients, I'm spending time with my kids, staying connected with real estate professionals in both states, and keeping up with market trends that could benefit you.
Don't let uncertainty hold you back from homeownership. Call or text me today at 858-280-1763 for a free, no-obligation consultation. I'll evaluate your situation and show you a clear path forward—often finding opportunities other loan officers miss.
NMLS# 2633522 | Loan Factory - Company NMLS: 320841
NMLS#: 2633522
License: CA, TX
Spoken Language: English
My reviews on Google
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 232 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
232+
Number of Lenders
14835+
(Avg. 5.0) Google Reviews
2222+
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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