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Steven Quach
Loan Officer
Secure your dream home with a gold standard pre-approval letter, expert guidance, low mortgage rates, a convenient online application process, and clear communication.
Contact me today to take the first step toward saving money and securing your home!
Step 1: Get Your Free Rate Quote
See how much home you can afford with competitive mortgage rates. It's easy!
- Enter your criteria above to see instant rates and payments.
Step 2: Schedule Your Pre-Approval Appointment & Upload Your Documents
Once you have a rate estimate, schedule a time to discuss your pre-approval. I can answer your questions and guide you through the process.
To prepare for your pre-approval, please gather the following documents:
Identification:
- Driver's License
- Social Security Number (You can provide this securely during your appointment or through our online application)
Proof of Income:
- W-2 Employees:
- Last two years' W-2s
- Most recent 30 days of paystubs (If you receive bonuses, include the last two years' end-of-year paystubs)
- Self-Employed/1099/Business Owners:
- Last two years' personal tax returns (all pages)
- Last two years' business tax returns (if applicable)
- Retired:
- Most recent pension (annuity) award letter
- Most recent Social Security award letter
- W-2 Employees:
Financial Assets:
- Last 2 months of bank statements showing your primary reserves
- Most recent mortgage statements for any existing properties
- Property insurance declaration page for any existing properties
Additional Information:
- Assume annual property tax rate: 1.25% (divided by 12 months)
- Assume property hazard insurance: 0.35% (divided by 12 months)
- Include existing mortgage or Home Equity Line of Credit (HELOC) statements, if applicable
- LLC entity documents (if applicable)
Step 3: Get Pre-Approved for Confidence
My team of experts and I at Loan Factory will review your income, assets, and credit to pre-approve you for a mortgage. This gives you a clear idea of your borrowing power and strengthens your offer when bidding on a home.
- Pre-approval ensures:
- Reduced anxiety: Avoid offer rejections due to last-minute loan denials.
- Stronger offer: Increase your appeal to sellers with pre-approval validation.
- Streamlined process: Simplify the loan process and avoid delays in escrow (except appraisal).
- Diverse income handling: We can handle complex financial situations for a smooth pre-approval experience.
Step 4: Find Your Dream Home!
With strong support and your pre-approval in hand, you're ready to confidently search for your perfect home.
Phone: (323) 868-8796
NMLS#: 2066638
License: CA
Spoken Language: English
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 197 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
197+
Number of Lenders
7511+
1160+
![express](http://storage.googleapis.com/lender-rate/express/img/quote/cta.jpeg?v=0)
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
![Home Purchase](http://storage.googleapis.com/lender-rate/express/img/quote/service-1.jpg)
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](http://storage.googleapis.com/lender-rate/express/img/quote/service-2.jpg)
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](http://storage.googleapis.com/lender-rate/express/img/quote/service-3.jpg)
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.