Opening Time

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

Olya Toby

Olya Toby

Loan Officer

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

NMLS#: 1691452

License: TX

Spoken Language: English, Russian

My reviews on Google

I used The Loan Factory to obtain a mortgage loan. They work with over 200 lenders, my broker Olya Toby did such an outstanding job, she tirelessly worked on helping my wife and I obtain a mortgage, was a lot of hard work, but could not be more happy with my broker. I would highly recommend her for mortgage needs, was genuinely just as happy for us a we are with buying our house.

My reviews on Zillow

My reviews on Loan Factory

Olya is the sweetest and the best! I love her energy and all the effort that she puts in the file.
The Loan Officer was absolutely wonderful to work with—always on top of every detail and eager to help at every step of the process. She was patient and thorough in explaining anything that caused uncertainty, ensuring I understood each part of the process. Their kindness, positivity, and genuine willingness to assist made the entire experience smooth and enjoyable.
Olya is an outstanding Loan Officer who consistently goes above and beyond to assist her clients. She demonstrates exceptional professionalism, clear communication, and a strong commitment to ensuring a smooth and positive loan process from start to finish.

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 231 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

231+

Number of Lenders

2096+

Loan officers

express

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.

Contact us today

Your home is one call away. We will get back to you immediately.

CONTACT US NOW

Fast funding,
easy application.
Get your loan today!

Quick Loans, Anytime, Anywhere!

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You can use the "Loan Factory" mobile app to check rates, apply for a loan, upload documents, and communicate with our team.
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Download "Loan Factory" Mobile App
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