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Mon - Fri 09:00 - 18:00
Sat 09:00 - 14:00

Kyle Lai

Kyle Lai

Loan Officer

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.

Bio: Kyle Lai is a seasoned professional in the mortgage industry, renowned for his expertise, integrity, and commitment to client satisfaction. A graduate of Cal State Long Beach with dual majors in Finance and International Business, Kyle's journey into the world of finance began with a solid academic foundation.

After completing his education, Kyle found his niche in the mortgage sector and embarked on a fulfilling career as a loan processor. His early experiences provided him with invaluable insights into the intricacies of the mortgage landscape, allowing him to hone his skills and develop a deep understanding of the industry's nuances.

One of Kyle's notable strengths lies in his comprehensive knowledge of Freddie Mac and Fannie Mae's guidelines. Leveraging his expertise, he excels in structuring mortgage loan files with meticulous attention to detail, ensuring the highest probability of approval for his clients.

However, Kyle's dedication to his craft extends beyond mere technical proficiency. He is renowned for his unwavering honesty and transparent communication with clients, embodying integrity in every interaction. Drawing from his personal ethos as a savvy shopper, Kyle applies the same principles when providing quotes to his clients, prioritizing not only the quality of service but also ensuring competitive pricing.

For Kyle, the true measure of success lies not just in securing loans but in simplifying the mortgage process for his clients. He takes immense pride in guiding them through every step, ensuring their experience is seamless, straightforward, and stress-free. Kyle's commitment to excellence and client-centric approach have earned him a stellar reputation as a trusted advisor in the mortgage industry.


Phone: (858) 666-6667

NMLS#: 1455132

License: CA

Spoken Language: English, Vietnamese

My reviews on Google

Mr. Kyle lai does a great job on helping you choosing the right loan. He is on top of things, he will help you get a good lower interest rate.

My reviews on Zillow

My reviews on Yelp

My reviews on Loan Factory

Kyle Lai consistently impressed me with his expertise and dedication throughout the loan process. His proactive approach and clear communication ensured a smooth experience for both the borrower and myself.

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 199 lenders in real-time for you.
  • 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
  • 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.

OUR ACCOMPLISHMENTS

199+

Number of Lenders

express

Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

Home Purchase

Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.

Re-finance Low Rate

Refinance Low Rate

Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.

Re-finance Cash Out

Refinance Cash Out

A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.

Why Us

Independent Advice.

We commit to always give you independent advice regarding real estate and mortgage options.

Customer First.

We make less per loan than competitors and pass the extra savings to borrowers.

Low Available Rates

You will always get great deals with our real-time pricing engine.

Fast, Convenient, Local Service.

we are just one call away from your requirement.

Contact us today

Your home is one call away. We will get back to you immediately.

CONTACT US NOW

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