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Eligibility and availability vary by program and borrower. All loans are subject to approval.
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Olya Toby
Mortgage Broker · Pick My Mortgage Rate, powered by Loan Factory
Olya Toby is a mortgage broker on Jerry Kindig's Pick My Mortgage Rate team at Loan Factory, NMLS #1691452, licensed in Texas.
Olya speaks English and Russian and serves homebuyers in Texas.
- NMLS #1691452
- Loan Factory, Inc. NMLS #320841
Licensed state(s)
- TX
Meet Olya.
Olya Toby is a Loan Officer who recently joined us at our CA-San Jose branch. Licensed in Texas (NMLS #1691452), Olya is dedicated to providing personalized mortgage solutions for her clients. Fluent in both English and Russian, she is committed to serving a diverse range of homebuyers with care and expertise. Olya looks forward to helping clients achieve their homeownership goals through our company.
Contact Olya
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. Olya Toby, NMLS #1691452. Loan Factory, Inc. NMLS #320841. Equal Housing Opportunity. Verify on NMLS Consumer Access.