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Opening Time

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

Margaret Cheng

Margaret Cheng

Loan Officer

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.

Phone: (832) 562-0915

NMLS#: 2270911

License states: Texas, California, Florida, Arizona

My reviews on Google

It's in their name - We Dare You to Compare. Their rates are low in comparison to many competitors. I've called up so many different loan places in the city to try to beat their prices but couldn't. Hanh, Ann, Lucas and Oliver were all attentive and moved at lighting speed. They were confident at securing me a Conventional loan even though many other lenders raised concerns about my eligibility. Great team!
If you are finding a place to help you with the house buying process or loan, find no more. Highly recommend this place. Ann, Brandi and Matt and all of their team helped me with the struggling process. They are so dedicated and willing to answer to any questions that I might have at any time (even Weekend). They gave me step-by-step instruction of what I need to do that makes everything simpler for me. Also, they will not hesitate to find the best interest rate and I am really happy with the rate I have now. Best loan company and best team in Htown.
Loan is one of the scary and difficult thing in the home buying process, but Loan Factory helped us get through it easily. We are happy and lucky that we had a chance to work with Ann, Kelly and Oliver that helped us a lot during the process. Thank you chị Hanh Dao và team Loan Factory Houston for making loan smoothly so that we can close our home on time. And Thank you for the beautiful bouquet that was sent on the closing day. That made our day memorable!!! I highly recommend Loan Factory!!

Mortgage Rates

Why are our rates so low?

  • 1. We work with dozens of the top wholesale lenders and shop their rates in real time, finding an amazing rate for you.
  • 2. Loan Factory was the #1 Mortgage Broker in the US in 2021 & 2022. Because of this volume, we can negotiate ridiculously great rates with lenders.
  • 3. Our profit per loan is much lower than banks. We know if we give you an amazing deal, you will send us lots of referrals.

Our Accomplishments



$11.3+ billion

In Closed Loans


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.

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