Home loans
Investor loans
Equity & retirement
Eligibility and availability vary by program and borrower. All loans are subject to approval.
Independent broker, powered by Loan Factory
Apply with AI in one go. We shop your purchase or refinance across 220+ wholesale lenders, backed by our $2,000 Best Price Guarantee.
The AI assistant helps collect your application information and navigate product criteria. Formal underwriting review, rate locks, and credit approvals are conducted by licensed mortgage professionals.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
Jerry L. Kindig III leads the Pick My Mortgage Rate team. As an independent broker, Jerry shops your loan across wholesale lenders nationwide and coaches every loan officer on the team to serve you at the highest level.
How it works
Our AI-guided application asks the right questions and gets your file lender-ready. Stop and finish anytime, and a licensed loan officer reviews everything.
As an independent broker, we compare your purchase or refinance across our wholesale lender network instead of one bank's menu.
See your options and buydown choices side by side. We help you decide, then we close.
The AI assistant helps collect your application information and navigate product criteria. Formal underwriting review, rate locks, and credit approvals are conducted by licensed mortgage professionals.
Loan programs
Flexible terms for a primary home, second home, or investment property.
Purchase + RefinanceGovernment-backed financing with flexible credit guidelines.
Purchase + RefinanceFor veterans, active-duty service members, and eligible surviving spouses.
Purchase + RefinanceFinancing for homes in eligible rural and suburban areas.
Purchase + USDA refinanceGrants and assistance programs that can help cover your down payment and closing costs.
Purchase onlyFinancing for manufactured homes, with or without land.
Purchase + RefinanceQualify with bank statements instead of tax returns.
Purchase + RefinanceInvestors qualify on the property's rental income, not personal income.
Purchase + RefinanceShort-term financing for acquisition and renovation.
Investor purchase + rehabStaged draws for ground-up builds, major additions, and redevelopment.
Build on new or owned landA first-lien HELOC that works like your checking and savings account.
Purchase + RefinanceHomeowners 62+ can tap equity or buy a home without monthly mortgage payments. Taxes, insurance, and upkeep still apply.
Purchase + Refinance, 62+Eligibility and availability vary by program and borrower.
Loan Factory, Inc. (NMLS #320841) holds company licenses in 48 states, and its Shop Rates platform works in all 48. Those are not Jerry's individual licenses. See all state licenses.
Yes. Our online application uses AI to guide you through each question, gather what lenders need, and get your file ready to shop. You can stop and finish later, and a licensed loan officer reviews everything. Prefer a person? Call or text (480) 526-4505.
We are an independent mortgage broker powered by Loan Factory. Instead of offering one bank's pricing, we compare your loan across 220+ wholesale lenders so you can see your options side by side and choose.
Many of our programs can be used for either. Conventional, FHA, VA, DSCR, and Non-QM loans can be used to buy or to refinance. USDA refinances are generally for homes that already have a USDA loan. Down payment assistance is for purchases only, and a HECM reverse mortgage requires at least one borrower age 62 or older. Eligibility and availability vary by program, property, and borrower, and all loans are subject to approval.
If you close with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance on an identical loan, we send you a $2,000 check. It applies to loan amounts of $200,000 or more, is not available in Washington, and other conditions apply. See the full terms on our Best Price Guarantee page. Terms and Conditions: www.loanfactory.com/best-price-guarantee.
Jerry Kindig is individually licensed in 18 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Loan Factory, Inc. (NMLS #320841), the company, is licensed to operate in 48 states, where its Shop Rates platform is available.
It is a free report on your home's estimated value and equity. When you sign up, you can also opt in to rate alerts so we can let you know when refinancing may make sense.
Tell us what you're planning and a licensed loan officer will follow up. Prefer to move now?
The AI assistant helps collect your application information and navigate product criteria. Formal underwriting review, rate locks, and credit approvals are conducted by licensed mortgage professionals.