True Professional!
Hannah was a true professional who was very attentive to our needs. She is extremely responsive and really knows her business. We purchased a great home and got a low interest rate. I would highly recommend her to family and friends and will be working exclusively with her in the future. Top-notch!
lmtaaWinchester, CA
Loan Factory was GREAT!!!!!
Hannah is a God send! Being on active duty many would take advantage. However, Hannah was honest and forthright from beginning to end. Amazingly great to work with and answered every single concern we had. Very grateful to have had the opportunity to work with her!!
GabrielEvans Menifee, CA
She has been great!
She definitely went above and beyond in order to get me financed for my new house and also completed a refinance on an existing property. I highly recommend her for your financial needs.
tcan420Wildomar, CA
AMAZING
I have had the opportunity to work with Loan Factory on several occasions and they are, by far, the best lender. They're always up front and honest with you. They're caring and responsive to all of our concerns. Most importantly, their loan officer (Hannah) always answers her phone and you can rely on her advice. She puts everything she has into getting the loan closed on time.
mrkimcanBanning, CA
True Professional!
Hannah was a true professional who was very attentive to our needs. She is extremely responsive and really knows her business. We purchased a great home and got a low interest rate. I would highly recommend her to family and friends and will be working exclusively with her in the future. Top-notch!
lmtaaWinchester, CA
Loan Factory was GREAT!!!!!
Hannah is a God send! Being on active duty many would take advantage. However, Hannah was honest and forthright from beginning to end. Amazingly great to work with and answered every single concern we had. Very grateful to have had the opportunity to work with her!!
GabrielEvans Menifee, CA
She has been great!
She definitely went above and beyond in order to get me financed for my new house and also completed a refinance on an existing property. I highly recommend her for your financial needs.
tcan420Wildomar, CA
AMAZING
I have had the opportunity to work with Loan Factory on several occasions and they are, by far, the best lender. They're always up front and honest with you. They're caring and responsive to all of our concerns. Most importantly, their loan officer (Hannah) always answers her phone and you can rely on her advice. She puts everything she has into getting the loan closed on time.
mrkimcanBanning, CA
True Professional!
Hannah was a true professional who was very attentive to our needs. She is extremely responsive and really knows her business. We purchased a great home and got a low interest rate. I would highly recommend her to family and friends and will be working exclusively with her in the future. Top-notch!
lmtaaWinchester, CA
Loan Factory was GREAT!!!!!
Hannah is a God send! Being on active duty many would take advantage. However, Hannah was honest and forthright from beginning to end. Amazingly great to work with and answered every single concern we had. Very grateful to have had the opportunity to work with her!!
GabrielEvans Menifee, CA
She has been great!
She definitely went above and beyond in order to get me financed for my new house and also completed a refinance on an existing property. I highly recommend her for your financial needs.
tcan420Wildomar, CA
AMAZING
I have had the opportunity to work with Loan Factory on several occasions and they are, by far, the best lender. They're always up front and honest with you. They're caring and responsive to all of our concerns. Most importantly, their loan officer (Hannah) always answers her phone and you can rely on her advice. She puts everything she has into getting the loan closed on time.
mrkimcanBanning, CA
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
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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
8302+
1261+
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
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.
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.
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.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
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.