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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 218 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
218+
Number of Lenders
9269+
1470+
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.