text: Why are our rates so low?
  - 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 199 lenders in real-time for you.
  - 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. 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.
  Ready to settle your mortgage plan?
  We are here to help you with the great deal in the market.
  Services We Offer
  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.