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Home / Our Team / Erica Toriello
Erica Toriello
Mortgage Broker · Pick My Mortgage Rate, powered by Loan Factory
Erica Toriello is a mortgage broker on Jerry Kindig's Pick My Mortgage Rate team at Loan Factory, NMLS #2806060, licensed in Florida, Louisiana, and Texas.
Before becoming a loan originator, Erica spent more than 15 years in nonprofit affordable housing, working mostly with first-time buyers.
- NMLS #2806060
- Loan Factory, Inc. NMLS #320841
Licensed state(s)
- FL
- LA
- TX
Meet Erica.
Helping people get into homes isn't just my job—it's my life's work.
Before becoming a mortgage loan originator, I worked for over 15 years in non profit affordable housing, supporting individuals and families—most of them first-time buyers—on their journey to homeownership. I’ve worked closely with underserved communities, single parents, and clients who thought owning a home might not be possible for them.
That experience shaped how I approach lending today. I focus on making the process feel less intimidating, more transparent, and tailored to you. I’ll walk you through every step, answer all your questions (big or small), and make sure you feel confident in your decisions.
At the end of the day, this isn’t just about loans—it’s about helping you build stability, security, and a place to call home.
Contact Erica
Loan programs and tools.
- ConventionalNot government-backed; works for many buyers with solid credit and steady income.
- FHAInsured by the FHA, with more flexible guidelines.
- VAFor eligible veterans, service members, and surviving spouses.
- USDAFor eligible buyers in eligible rural and suburban areas.
- Down Payment AssistancePrograms that can help bridge the down payment gap.
- Mobile HomesFinancing for mobile homes, with or without land.
- Self-Employed (Non-QM)Looks at your real financial picture, not just W-2s and tax returns.
- DSCRQualify on the property's rental income, not your personal income.
Not all clients will qualify for these products. Eligibility and availability vary by program and borrower. Erica Toriello, NMLS #2806060. Loan Factory, Inc. NMLS #320841. Equal Housing Opportunity. Verify on NMLS Consumer Access.