Vivian Pang
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:
Vivian's Vision:
We envision a future where every low and medium-income family has the opportunity to own a safe, stable, and affordable home. Through our mission, we aim to break down barriers, foster economic stability, and build stronger, more vibrant communities. Join us in our journey to make homeownership a reality for all, as we continue to work toward a world where housing is not just a dream but a fundamental right for every family. Together, we can transform lives, strengthen communities, and build a brighter future for generations to come.
Vivian's Bio:
I was from Malaysia and came to the Bay Area, CA in 1997 after college graduation. I am very fortunate that I met my husband, and many people who helped me to have a successful career. After working as a channel sales manager in the wireless industry for the last 20 years, I found my true calling in the world of mortgages. I believe home buying is 90% preparation and 10% perspiration. My mission is to help individuals and families to build generational wealth by owning their homes. Home Buying and Financing is complicated. My role is to educate my clients on the process, their rights and most importantly how to plan financially, so they can own and maintain their home and their lifestyle. I have helped many individuals who are self employed, have multiple 1099 jobs, ITIN or foreign nationals and many First Time Homebuyers where retail banks might have denied them because they don't fit into the conventional lending box. I am great at finding loan solutions, getting down payment assistance, or putting together a plan to get one mortgage ready. Outside of work, I'm a nature enthusiast. I love hiking and spending time outdoors, which helps me stay refreshed and energized for my clients. If you're looking for someone who's not just a mortgage expert but also a friendly and supportive guide on your home ownership journey, I'm here to help. Let's turn your dream of having a home into a reality together!
Phone: (650) 921-0888
NMLS#: 2012258
License: CA, FL
Spoken Language: English, Mandarin Chinese, Cantonese Chinese, Indonesian
My reviews on Google
My reviews on Zillow
My reviews on Loan Factory
Mortgage Rates
Why are our rates so low?
- 1. We shop dozens of the top lenders in real time to find you the best rate.
- 2. Loan Factory was the #1 Mortgage Broker in the US in 2021 & 2022. Because of this volume, we can negotiate ridiculously great rates with lenders.
- 3. Our profit per loan is much lower than others. I know that if I give you an amazing rate, term, and service you will share your experience with others.
Our Accomplishments
$12.2+
Billion in Closed Loans
6260+
895+
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.