If we can't beat another offer, you'll receive $1,000.
(Alabama, Arizona, California, Colorado, Florida, Georgia, Idaho, Illinois, Kentucky, Louisiana, Minnesota, Mississippi, Missouri, Nevada, New Jersey, Ohio, Oklahoma, Tennessee, Texas, Utah, Virginia, Wisconsin and Wyoming properties only)
Terms and conditions
Kurt Michael Hayer
Loan Officer
A great man once told me “People don’t care about how much you know until they know how much you care.” and that has become the cornerstone of how I conduct my business. I have been a mortgage professional for over a decade and have spoken to tens of thousands of people. Everyone has a unique story, but they share one common theme. They just want someone they can trust to help guide them. Mortgages can seem daunting at times. It’s a vast landscape of rates, programs, lenders, and loan officers that you are trying to navigate while juggling the pressure of making the right decision. With access to 200+ lenders, I can narrow down the options to what fits so you can breathe and focus on what really matters, making that final decision clear and simple. Please, allow me to have 5% of your trust up front. I will earn the rest.
Bio: In my free time I work in my vegetable garden with my wife and my two dogs (I don't know if what they do is "work", but sometimes I get lucky and they dig holes where I need them). I am also an avid outdoorsman, a baseball coach and mentor, and am currently trying to drum up the courage to sky dive (heights terrify me).
Phone: (248) 931-0700
NMLS#: 713754
License: FL, MI, NH
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 219 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
219+
Number of Lenders
12928+
1925+
Loan officers
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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