Our Top Programs
Conventional
Federal Housing Administration (FHA)
Federal Housing Administration (FHA)
Explore flexible mortgage loan options for your primary residence, second home, or investment property. These options are ideal for borrowers with strong credit and stable income.
Federal Housing Administration (FHA)
Federal Housing Administration (FHA)
Federal Housing Administration (FHA)
Government-backed loans with low down payment requirements making them ideal for first-time buyers or individuals with less-than-perfect credit.
Veterans Association (VA)
Federal Housing Administration (FHA)
United States Department of Agriculture (USDA)
Eligible veterans, active-duty service members, and surviving spouses can access benefits with 0% down and no mortgage insurance.
United States Department of Agriculture (USDA)
United States Department of Agriculture (USDA)
0% down payment for rural homebuyers, offering low rates along with reduced mortgage insurance through various mortgage loan options.
Down Payment Assistance (DPA)
Programs designed to help cover your down payment and/or closing costs. This can be in the form of a repayable or forgivable grant.
Debt Service Coverage Ratio (DSCR)
Investor-focused loans based on property cash flow, rather than personal income, are ideal for expanding your rental portfolio
Self Employed (Non QM)
Self Employed (Non QM)
Self Employed (Non QM)
Traditional underwriting often favors W-2 employees, making it more challenging for self-employed borrowers to secure the best mortgage rates. We provide a solution by using your bank statements to verify income allowing self employed borrowers access to higher approval amounts.
Reverse Mortgage
Self Employed (Non QM)
Self Employed (Non QM)
Homeowners aged 55 and older can explore flexible mortgage loan options that allow them to purchase a new home or access their equity as cash without the burden of monthly mortgage payments. Funds can be accessed as a lump sum, through monthly payments, or as a line of credit.
Dream Builder
Self Employed (Non QM)
Dream Builder
Have you recently faced bankruptcy or just started a business? Are you an ITIN borrower? We offer unique mortgage loan options that conform to no standard list of guidelines, allowing you to secure home loan savings with only 3.5% down.
Testimonials
Samuel Nigh
Tyarhein Quezada
Brittani White
Jerry was a rockstar. Incredibly communicative throughout the entire process. I could not have asked for more support. He was always willing to take a call and answer any questions I had throughout the process. I would highly recommend his services to anyone looking to procure a loan.
Brittani White
Tyarhein Quezada
Brittani White
I must say through the ups and downs of our house buying process Jerry never left us hanging. Jerry was proactive and knew what documents the loan company would need. He would gather these documents before the loan company even asked for them. Jerry worked vigorously and quickly to insure we closed. He never gave up and we are extremely
I must say through the ups and downs of our house buying process Jerry never left us hanging. Jerry was proactive and knew what documents the loan company would need. He would gather these documents before the loan company even asked for them. Jerry worked vigorously and quickly to insure we closed. He never gave up and we are extremely grateful and much happier than we could ever have been. Thank you, Jerry you are great at your job, and you work from your heart we truly appreciate it.
Tyarhein Quezada
Tyarhein Quezada
Tyarhein Quezada
I'm very happy and pleased with the experience I had with Jerry at Loan Factory. Jerry was transparent about all involved. I appreciated that he was available to answer any questions that I was unclear off. I would highly recommend him and his company. Most importantly I got my dream home and closed as planned. Thank you Jerry and many Blessings.
240+ Lenders
.jpg/:/cr=t:7.43%25,l:0%25,w:100%25,h:68.18%25/rs=w:1200,h:545,cg:true)
Yes You Read Right
Want to make sure you're getting the best price when it comes to your mortgage? You came to the right place!