Hello and welcome!
You've come to the right place for competitive wholesale mortgage rates, low loan costs, and fast, efficient service.

Opening Time

Mon - Fri 9:00 AM - 2:00 PM
Sat 9:00 AM - 2:00 PM

Sinath Jerome

Sinath Jerome

Loan Officer

Hello and welcome!

You've come to the right place for competitive wholesale mortgage rates, low loan costs, and fast, efficient service.

Whether you're a first-time homebuyer, an investor, or anywhere in between, we offer a wide range of loan options and a one-stop-shop approach to ensure a smooth, stress-free experience. I'll guide you through every step of the process, helping you secure the best mortgage tailored to your unique needs and goals.

Loan Types: Jumbo, Conventional, HomeReady, HomePossible, FHA, VA, USDA, Non-QM, Commercial, Construction, Hard Money

Property Types: Owner-Occupied, Second Homes, Investment Properties

Work with me for personalized service and competitive rates. Let’s get started on your homeownership journey today!

NMLS#: 2360053

License: CO

Spoken Language: English, Khmer/Cambodian

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 232 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

232+

Number of Lenders

14868+



(Avg. 5.0) Google Reviews

2222+

Loan officers

48

Licensed states

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.

Information subject to change. Certain restrictions/conditions may apply. Subject to borrower approval. This is not a commitment to lend.

Equal Housing Lender

CONTACT Sinath 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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