Home loans
Investor loans
Equity & retirement
Eligibility and availability vary by program and borrower. All loans are subject to approval.

Mortgage Broker · Pick My Mortgage Rate, powered by Loan Factory
Manjot Gill is a mortgage broker on Jerry Kindig's Pick My Mortgage Rate team at Loan Factory, NMLS #989189, licensed in California and Texas.
Manjot is a former engineer at Intel and Western Digital who also works as a business broker. He has more than 20 years of combined experience in real estate, lending, and small business.
I am a licensed Loan Officer at Loan Factory Inc., specializing in residential mortgages, refinancing, and investment property financing. I work closely with clients to find the most competitive rates and loan products that fit their financial goals—whether they're first-time buyers or seasoned investors. My deep understanding of lending guidelines, credit analysis, and loan structuring ensures a smooth and informed mortgage experience from application to closing.
In addition to mortgage lending, I serve as a Business Broker, helping clients buy and sell small to mid-sized businesses. I assist with business valuation, marketing, buyer screening, negotiations, and deal management—bringing strong financial acumen and transactional expertise to the table.
Background Highlights:
20+ years of combined experience in real estate, lending, and small business operations
Previously owned multiple franchises and operated service businesses in auto repair and food service
Former Engineer at Intel and Western Digital, specializing in process optimization and quality assurance
Experience in land development, including site planning and city negotiations for commercial and residential projects
Not all clients will qualify for these products. Eligibility and availability vary by program and borrower. Manjot Gill, NMLS #989189. Loan Factory, Inc. NMLS #320841. Equal Housing Opportunity. Verify on NMLS Consumer Access.