Jeff Smalley
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:
My goal is to provide every one of my clients and Affinity Program partners the highest level of service and satisfaction. When working with clients, I provide outstanding customer service by educating them, not only on their best financial options, but also through managing their entire loan process. I have the ability to make strong presentations and get transactions closed. It is important to me that I keep all parties involved in the loan transaction fully informed throughout the proceedings. I also attend all of my clients’ closings.
During my time working with mortgages, I have gained an in-depth knowledge of all product underwriting guidelines covering FHA 203(b) and 203(k), VA, USDA RD, FNMA, FHLMC, and Non-conforming Jumbo Products. I know how to construct and interpret financial statements, tax returns and construct fully and properly documented loan files. I am experienced working with loan officers, processors, underwriters, closers and closing attorneys. Throughout my twenty-six years in the industry, I have originated over 1,800 residential first and second mortgage loans and have closed 99% of loans that were submitted to underwriting. I have also originated commercial loans and secured equity capital.
NMLS#: 166461
License: GA
Spoken Language: English
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 240 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
240+
Number of Lenders
11217+
1746+

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
Fast funding,
easy application.
Get your loan today!
Quick Loans, Anytime, Anywhere!
