PICK MY MORTGAGE RATE
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LOAN FACTORY
My Mortgage.
My Choice.
My Savings.
Why Use Us For Your Mortgage
Best Price Guarantee
We’ve done the research, and the results are clear. Our mortgage rates stand among the very best in the market. With our advanced mortgage platform, we search through top lenders to secure the lowest rates and fees, maximizing your home loan savings. And because we’re an independent mortgage broker, we put you first, earning less on each loan so you can save more.
Full Transparency
We believe you deserve to see every option available, including the best mortgage rates, not just the ones that benefit us. We consistently offer the best pricing in the market, and we don’t hide our rates behind forms or phone calls. You’ll see every rate and every buydown option upfront, allowing you to make the smartest decision for your home loan savings and your budget.
Mission and Vision
Mission Statement
Our mission is to honor families by serving as faithful stewards of their dreams. We provide an honest and simple path to the right mortgage, ensuring that the blessing of homeownership is built on a foundation of clarity, integrity, and accessible truth for everyone.
Vision Statement
To cultivate a marketplace where securing a home is seen as a covenant of trust rather than a negotiation of profit. We envision a future where every mortgage is the start of a firm foundation, rooted in transparency and the peace of a stable family legacy.
Our Top Programs
Conventional
(Fannie/Freddie)
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)
Government-backed loans with low down payment requirements making them ideal for first-time buyers or individuals with less-than-perfect credit.
Veteran's Administration (VA)
Eligible veterans, active-duty service members, and surviving spouses can access benefits with 0% down and no mortgage insurance.
US Dept 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. DPA is readily available for those clients that need the help
Debt Service Coverage (DSCR)
Investor-focused loans based on property cash flow, rather than personal income, are ideal for expanding your rental portfolio. DSCR's also allow you to close loans in a business name
Self Employed
(Non QM)
Traditional underwriting often favors W-2 employees, making it challenging for self-employed borrowers to secure a mortgage. We provide a solution by using your bank statements, 1099, and/or P&L statements to verify income
Reverse
Mortgage
Homeowners aged 55 and older can explore mortgage options that allow them to purchase a new home or access their equity as cash without monthly mortgage payments.
All-In-One HELOC
This integrated HELOC uses your deposits to drive down mortgage principal instantly. Save massive amounts of interest and gain 24/7 access to your cash, all while eliminating the friction of traditional monthly mortgage structures.
Fix and Flip
Unlock your real estate profit potential! Our Fix & Flip Loans provide fast, short-term capital for both purchase & renovation costs. Secure hot deals and maximize your ROI by quickly transforming distressed properties into high-value homes.
Fix and Flip
Ready to build your investment portfolio? Our Construction Loans offer staged funding (draws) for land and build costs. Get flexible capital to create custom, high-value assets from the ground up. Perfect for developers and investors. Let's start building!
Mobile Homes
Achieve homeownership affordably! Our Mobile Home Loans provide accessible financing for purchasing a new or used mobile home, even on rented land. Enjoy lower monthly payments and a faster path to owning your own property.
230+ Lenders
TESTIMONIALS
What others are saying
"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.
"Jerry you are great at your job"
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.
"Jerry was transparent about all involved."
I'm very happy and pleased with the experience I had with Jerry at Loan Factory. 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.
"Jerry handled all aspects of the loan efficiently"
I want to take a moment to acknowledge the excellent work of Loan Officer Jerry. He has been extremely professional, responsive, and thorough throughout the entire process. His dedication and attention to detail made the process much smoother for everyone involved.
Frequently Asked Questions
Please reach us at [email protected] if you cannot find an answer to your question.
What states does Pick My Mortgage Rate operate in?
Our team currently operate in Alaska, Arizona, California, Colorado, Florida, Illinois, Indiana, Michigan, New Hampshire, North Carolina, Nevada, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming. We're always looking to add more states. If you live in a state not listed please reach out and we may be able to quickly add your location.
What types of loans does Pick My Mortgage Rate offer?
We offer Conventional, Jumbo, FHA, USDA, VA , HELOCs and tons of non government backed loans. Non government backed loans gives us ways to get approvals for loans that 99% of other lenders can't do. Our loans can be 8-30 years with fixed terms and 1-, 3-, 5-, 7-, and 10-year ARMs, and they start at a minimum loan value of $25,000. We can do loans for single family houses, townhomes, condos, manufactured homes, mobile homes and 2-10 unit buildings and new construction and for primary residences, second homes, and investment properties. We even offer loans for hard money, bridge loans, and fix and flip.
What is the minimum down payment Pick My Mortgage Rate offers?
We have options for 0% down using a VA or USDA loan or options for full down payment assistance using an FHA or conventional loan. We have DPA programs available in all states we work in and as low as a 600 credit score. We even have DPAs completely forgivable at closing. So, it's crazy low requirements.
What if I find a better deal outside of Pick My Mortgage Rate?
Other lenders in the mortgage industry say they'll match pricing if you find a better deal somewhere else. We guarantee the best price or you get $1000! What do you have to do to take advantage? Easy;
Step 1: Provide us with a Loan Estimate so that we can compare
Step 2: If we are unable to offer a better deal, you will proceed to lock rate and share the locked LE (on the same date) for us to try and beat.
Step 3: If we are still unable to beat the offer, you proceed to close with the competitor. After closing, please show us the Final CD within 10 days of the disbursement date, and Loan Factory will pay you $1,000.
Full terms at https://pickmymortgagerate.com/best-price-guarantee
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