Safe, simple, and smart home financing — all in one place. We shop 240+ lenders every morning so you wake up below the market average.
Bring us a competing Loan Estimate on the same loan. We'll beat it — or hand you a $2,000 check. That's how confident we are in our wholesale pricing.
A $400,000 30-year fixed, side by side. The average bank rate versus Loan Factory's wholesale pricing — see what the difference is really worth.
One application, filed with 240+ lenders. We match you to the right program and rank every quote by what the loan really costs you.
Down payments as low as 3% with flexible income and credit requirements.
Learn moreJust 3.5% down with friendlier credit — great for first-time buyers.
Learn more$0 down and no PMI for veterans, service members, and surviving spouses.
Learn moreFinance high-priced homes above conforming limits at competitive rates.
Learn moreQualify on 12–24 months of bank deposits instead of W-2s or tax returns.
Learn moreApproval based on the property's rental income, not your personal paycheck.
Learn moreA few of the wholesale lenders that compete for your loan on our platform — so you never have to shop them one by one.
Apply, upload documents, watch your status move, and set rate alerts — with a real loan officer a tap away. Real-time updates, no phone tag.
“Closed in 16 days at a rate a full point under my bank. No games, no surprise junk fees.”
“They caught $9k in fees another lender had buried, then beat the price outright. Unreal.”
“The app kept us updated daily and our loan officer actually answered. Could not recommend more.”