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Loan Factory

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NMLS#: 1287941

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Loan Factory

NMLS#: 46345345

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Loan options from Loan Factory

First-time Buyer: HomeReady First

Homebuyers can get a $6,500 grant for down payment or closing costs, plus $500 credits for an appraisal and home warranty.

First-time Buyer: ONE+

ONE+ lets you buy a home with 1% down, plus a 2% lender grant—low rates available with a credit score of 620+.

2-1 Lender-paid Buydown

Lowers your mortgage rate by 2% in the first year and 1% in the second year, making early payments more affordable. After two years, the rate...

Adjustable-Rate Mortgage (ARM)

Looking to pay down your principal faster while owning your home for just a few years? A Loan Factory ARM might be the perfect fit for you.

Purchase Plus

Purchase Plus covers your home purchase and extra costs, making homeownership more affordable!

HomeReady® and Home Possible®

Affordable loan options for low to moderate-income borrowers, offering low down payments and flexible requirements.

FHA Loan

An FHA loan is a government-backed mortgage with flexible credit requirements and a down payment as low as 3.5%.

VA Loan

Your service earns you exclusive VA home loan benefits. As a VA-approved lender, Loan Factory is here to help you make the most of them.

Home Equity Loan

Need cash for debt, college, or home upgrades? A Loan Factory Home Equity Loan lets you borrow while keeping your low mortgage rate.

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