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

Our mission is to provide the lowest mortgage rates while combined with exceptional customer service. Our goal is to streamline mortgage processes and make comparison shopping easy and transparent. We believe we can accomplish these two goals simultaneously with our expertise in mortgage, technology, and the willingness to help our customers.

In order to achieve these goals, we:

1. Work with selected lenders who have the lowest rates.

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

3. Provide users with 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.