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Phuong Ly
Mortgage Broker · Pick My Mortgage Rate, powered by Loan Factory
Phuong Ly is a mortgage broker on Jerry Kindig's Pick My Mortgage Rate team at Loan Factory, NMLS #1958412, licensed in Texas.
Phuong has a background in real estate and finance and believes in listening first and explaining each option clearly.
- NMLS #1958412
- Loan Factory, Inc. NMLS #320841
Licensed state(s)
- TX
Meet Phuong.
I’m a loan officer with a background in real estate and finance, focused on helping clients make informed decisions about one of the biggest financial steps in their lives.
I take a straightforward, personalized approach - listening first, explaining options clearly, and presenting solutions so clients can compare and choose what works best for them, since everyone has different long-term goals.
Whether someone is looking for a better interest rate, needs help reducing closing costs due to limited cash to close, or simply wants to understand their options, I focus on creating practical paths forward that fit their situation.
My goal is to make the process smooth and transparent, so clients feel confident in the option they select and the decisions they make along the way.
Contact Phuong
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. Phuong Ly, NMLS #1958412. Loan Factory, Inc. NMLS #320841. Equal Housing Opportunity. Verify on NMLS Consumer Access.