Tracy Sims
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
Why Choose Tracy?
Putting the Power Back in the Hands of Homebuyers
Here’s the game-changer: Homebuyers, I offer the latest mortgage solutions designed to put the power back in YOUR hands. With the 2/1 Buydown Program, you can get up to 2% seller-paid concessions and apply them to instantly lower your interest rate by 2% — Example: Taking you from an interest rate of 6.25% down to 4.25% in year one. That’s not just a rate drop… that’s POWER. More savings, more buying power, and more home for your money.
I’ve guided thousands of homebuyers, protecting them from costly, long-term mortgage disasters while securing the lowest rates and fees in the country — backed by our exclusive $1,000 Best Price Guarantee. If I can’t beat another lender’s written offer, we'll hand you $1,000.
With over 20 years of mortgage mastery, I help homebuyers save big, buy smart, and win in any market. I’m known for my clear communication, creative strategies, and relentless dedication to my clients’ success. I combine local market expertise, digital speed, and personal one-on-one guidance to make your home purchase smoother, faster, and more affordable than you thought possible. I'm the obvious choice!
DM me the word “POWER” — Call, text or email me today. (310) 698-2920 - tracy.sims@loanfactory.com
NMLS#: 1401286
License: CA
Spoken Language: English
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
14046+
2096+
Loan officers
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
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.
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.
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.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
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.
Fast funding,
easy application.
Get your loan today!
Quick Loans, Anytime, Anywhere!
