We dare you to compare
An AI-native mortgage technology company with 240 lenders, 2,500+ loan officers, and the lowest price.
5.0 21,241+ Google reviewsFind a lower price, and we pay you $2,000.
Shop around with confidence. If another lender gives you a better written offer for the same loan and we can’t beat it, the $2,000 is yours.
Loved by 21,722+ homeowners
Rated by 21,722+ homeowners on Google.
“First and foremost, I would 100000% recommend Loan Factory to everyone that needs help with their loan/lender. They gave me the BEST RATE when I was…”
“Trải nghiệm vay mua nhà cùng Đông và Tracy thật sự rất tuyệt vời! Hai bạn luôn tận tâm, chu đáo, phản hồi nhanh chóng và theo sát hồ sơ của tôi đến từng bước. Tôi cảm nhận được sự quan tâm và trách nhiệm của cả hai trong suốt quá trình làm việc. Nhờ sự hỗ trợ nhiệt tình của Đông và Tracy, hồ sơ của tôi đã tiến đến bước Clear to Close. Cảm ơn hai bạn rất nhiều vì đã đồng hành cùng tôi trên hành trình mua căn nhà mới. Dịch vụ 5 sao, rất đáng để giới thiệu! (Translated by Google) My home loan experience with Dong and Tracy was truly amazing! They were always dedicated, attentive, responsive, and closely followed my application every step of the way. I felt their care and responsibility throughout the process. Thanks to Dong and Tracy's enthusiastic support, my application has reached the Clear to Close stage. Thank you so much for accompanying me on my journey to buying a new home. 5-star service, highly recommended!”Read the full review on Google →
“(Translated by Google) Recommended (Original) Recomendastable”
“I had an outstanding experience working with Loan Factory, especially Anthony Morris and his processing team, including Princess. They made my mortgage process smooth, transparent, and stress-free. Anthony promised me the lowest rate in the market, and he absolutely delivered on that promise! His rate was approximately 0.5% to 0.9% lower than the rates offered by other lenders I compared, which made a significant difference. Anthony is truly one of the best loan officers I have worked with. He is knowledgeable, responsive, transparent, and committed to delivering the best for his clients. He always kept his word, answered my questions promptly, and made sure I understood the process every step of the way. A big thank you to Princess and the entire processing team as well for their excellent support and hard work throughout the mortgage process. Anthony, you are the best! If you are looking for a mortgage and want a competitive rate, honest communication, and outstanding service, I highly recommend Anthony Morris and Loan Factory. Thank you for making my home-buying journey such a great experience!”Read the full review on Google →
“Thank you, Nguyễn Lê, for helping me buy my home as both my loan officer and realtor. I truly appreciate your support and guidance throughout the process!”
Every lender.
One platform.
240+ wholesale lenders and 2,500+ loan officers compete for your loan, automatically.
AI that moves
your loan forward.
Every document reviewed and every status update, driven by AI in real time.
Why you pay less with us
Loan Factory is an AI-native mortgage technology company. Our platform shops 240+ lenders for you in seconds, keeps our fee small, and still gives you one person to call from the first question to closing day.
We compare 240 lenders
You fill out one application. We send it to many lenders and show you the best price we find. More lenders means a better chance at a lower rate.
We take a smaller fee
Our fee is lower than most banks, so more of your money stays with you. If another lender gives you a better written offer and we cannot beat it, we pay you $2,000.
One loan officer helps you
The same licensed loan officer handles your loan from start to finish. Call or text them any time. You will never be passed to a call center.
AI tracks your loan for you
Our AI monitors your file and moves your status forward the moment underwriting clears a step — see it live from your phone or computer. Prefer paper or a phone call? Just ask.
Loan options
Buy a home
One application, matched to the loan program that fits how you’re buying.
Adjustable-rate (ARM)
A lower rate for the first few years.
HomeReady & Home Possible
As little as 3% down. Flexible income rules.
Jumbo loan
For homes above standard loan limits.
FHA loan
3.5% down. Easier credit rules.
VA loan
$0 down, no PMI. For veterans and their families.
USDA loan
No down payment in rural and suburban areas.
Bank statement loan
Self-employed? Use bank statements, not tax returns.
DSCR loan
For rental homes. Approved on the rent.
Asset-qualifier loan
Qualify with savings or retirement accounts.
Foreign national loan
For non-U.S. citizens buying in the U.S.
Refinance
Lower your rate, shorten your term, or turn your equity into cash — whichever fits your plan.
Rate-and-term refinance
Lower your rate or shorten your loan.
Cash-out refinance
Turn home equity into cash.
FHA Streamline
Lower your FHA rate with little paperwork.
VA IRRRL
Lower your VA rate quickly, usually no appraisal.
USDA Streamlined Assist
Lower your USDA payment. No appraisal.
HELOC
A credit line backed by your home. Borrow as you need.
Reverse mortgage (62+)
Get cash from your home with no monthly mortgage payment.
From application to closing, in four steps
One form. Multiple lenders.
Tell us about your loan once. Our AI pricing engine handles the rest, instantly, no phone tag.
We'd love to know who's on the other side of the screen
Set up a rate alert
Stop checking rates every day. Tell us your email and we’ll let you know the moment rates hit your target.
Common questions
What does Loan Factory do?
We shop 240 lenders for your loan. One loan officer helps you the whole way.
How much does Loan Factory cost?
Nothing up front. We keep our fee low so your rate is lower.
Will checking rates affect my credit?
No. We only check your credit when you decide to apply, and we ask first.
How long does it take to close?
About 15 days. Most lenders take 30 to 45.
How does the Best Price Guarantee work?
Find a better offer on the same loan and we pay you $2,000. Terms apply.
One place. Your whole loan, moved by AI.
Apply, upload documents, and set rate alerts — with your loan officer just a tap away. Our AI reviews your file and advances your status automatically, so updates arrive the moment your loan actually moves.
Get started
- Apply once, filed with 240+ wholesale lenders
- Upload documents and e-sign from your phone
- AI reviews your file and updates your status in real time
- Set rate alerts and chat with your loan officer