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Home / Our Team / Payal Chhelavda
Payal Chhelavda
Mortgage Broker · Pick My Mortgage Rate, powered by Loan Factory
Payal Chhelavda is a mortgage broker on Jerry Kindig's Pick My Mortgage Rate team at Loan Factory, NMLS #2007507, licensed in California, Florida, Georgia, North Carolina, and Texas.
Payal works from the San Jose branch and serves clients in five states.
- NMLS #2007507
- Loan Factory, Inc. NMLS #320841
Licensed state(s)
- CA
- FL
- GA
- NC
- TX
Meet Payal.
Payal Chhelavda recently joined us as a Loan Officer at our CA-San Jose branch. Licensed in California, Florida, Georgia, North Carolina, and Texas (NMLS #2007507), Payal is dedicated to providing personalized mortgage solutions for her clients. She conducts business in English and is committed to making the home financing process smooth and straightforward for every client she serves. Payal looks forward to helping clients achieve their homeownership goals across multiple states through our company.
Contact Payal
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. Payal Chhelavda, NMLS #2007507. Loan Factory, Inc. NMLS #320841. Equal Housing Opportunity. Verify on NMLS Consumer Access.