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John Tu
Mortgage Broker · Pick My Mortgage Rate, powered by Loan Factory
John Tu is a mortgage broker on Jerry Kindig's Pick My Mortgage Rate team at Loan Factory, NMLS #2721406, licensed in California.
John is both a licensed real estate broker and a lender, and he speaks English and Vietnamese. He works with first-time buyers, investors, self-employed clients, and luxury homebuyers.
- NMLS #2721406
- Loan Factory, Inc. NMLS #320841
Licensed state(s)
- CA
Neither the Loan Originator nor Loan Factory, Inc. is a government agency or is affiliated with, endorsed by, or acting on behalf of the U.S. Government, the Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), or the U.S. Department of Agriculture (USDA).
Meet John.
John Tu (NMLS #2721406) is a Mortgage Loan Originator with Loan Factory serving California. As both a licensed real estate broker and lender, he provides a unique advantage—combining real estate insight with mortgage strategy.
Specializing in Conventional, Jumbo, FHA, VA, DSCR, Bank Statement, HELOC, and Foreign National loans, John helps first-time buyers, investors, self-employed clients, and luxury homebuyers.
Known for fast 14–21 day closings and clear communication, he is part of the Top 3 “Pick My Mortgage Rate” team at Loan Factory. Bilingual in English and Vietnamese.
Contact John
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. John Tu, NMLS #2721406. Loan Factory, Inc. NMLS #320841. Equal Housing Opportunity. Verify on NMLS Consumer Access.