Loan Factory, Inc. is a private mortgage broker company headquartered in San Jose, California.

Our mission is to provide AMAZINGLY LOW mortgage rates while combined with the greate customer service. We believe that we can accomplish these two goals at the same time with the use of technology and the willingness to help our customers.

In order to achieve these goals, we:

1. Work with selected lenders who have reasonable low rates.

2. Reduce the overhead cost such as advertising and operate efficiently using superior technology.

3. Provide user clients with the real-time rate quote and rate alert.

4. Improve customer service by updating borrowers with the loan status automatically.

5. Build trust by not collecting the only upfront fee (appraisal fee and refundable if going with no cost loan) until rate is locked.