Rajan Kandel, Mortgage Loan Officer

Rajan Kandel is an award-winning Mortgage Loan Officer with Loan Factory (NMLS #2432237) and a licensed California Realtor (DRE #02168604) serving San Francisco and the greater Bay Area. With an MBA background and over 10 years of living and working in California, Rajan brings strong financial expertise, local market knowledge, and a client-first approach to every transaction.

Originally from Nepal, Rajan understands the challenges first-generation homebuyers and immigrant families face when purchasing real estate in California. His mission is simple: to make the home buying and financing process clear, strategic, and stress-free.

As both a Loan Officer and Realtor, Rajan provides a powerful advantage—guiding clients from property search to loan approval under one coordinated strategy. He specializes in:

• First-time homebuyer programs

• Conventional, FHA, VA & Jumbo loans

• Commercial real estate financing

• Investment property loans

• Refinancing solutions

• Down payment assistance programs

Rajan is known for structuring smart financing solutions, improving client credit profiles before purchase, and negotiating strong real estate deals. His award-winning production reflects his dedication to service, transparency, and results.

Whether you are buying your first home, upgrading, investing, or refinancing in San Francisco, the Bay Area, or anywhere in California, Rajan Kandel delivers expert guidance, competitive mortgage rates, and professional real estate representation from start to finish.

📍 Based in California | Serving SF & Statewide
📞 Let’s build your real estate future today.