Phi Tran, Mortgage Loan Officer

Buying or refinancing a home doesn’t have to feel confusing, stressful, or expensive and working with the right loan partner can make all the difference.

I’m Phi Tran, a mortgage broker with Loan Factory, where I help homebuyers, homeowners, and real estate investors secure the most competitive loan options available by combining personalized guidance with AI-powered technology.

Why Clients Choose to Work With Me

✔ 229+ Lenders Compared in Real Time
Instead of pushing one bank’s products, I shop rates across over 229 lenders to find the best fit for your goals and not just the easiest approval.

✔ AI-Driven, Fast, and Transparent Process
Loan Factory’s digital platform makes applying for a mortgage as simple as ordering an Uber for faster approvals, fewer errors, and clear communication every step of the way.

✔ Solutions for Almost Any Scenario
From first-time buyers to seasoned investors, I specialize in:

• Conventional, FHA, VA, and Jumbo loans

• 100% FHA Down Payment Assistance programs

• DSCR loans for rental and investment properties

• Bank Statement, 1099, and P&L loans for self-employed borrowers

• Fix-and-Flip and portfolio financing

• Refinance strategies to lower payments or access equity