We attempted a home refinance with Loan Factory and worked with Arton Chau as our loan officer and Ander David Herrera as our processor. Our refi did have some unique circumstances given I was on maternity leave at the time and I wanted to give some grace for that, but the issues we had went far beyond a complicated refi. Additionally, when we decided to go with another company, the process was so smooth that it proved the situation never should have been viewed as that complicated to begin with. The main issues were: 1) Information would be asked for, we would provide that information, nothing would happen, we would ask questions then they would share they needed information that we had already provided that was right there in the same email thread. 2) The information they claimed to need from my employer kept escalating. They asked for a letter verifying I was still employed despite being on leave, my employer provided it, nothing happened, we checked on progress and they said we needed more. They asked to speak with my manager to simply confirm my employment, they didn't contact her for over a week, then they asked HR type questions she couldn't possibly answer. Then they claimed they just needed HR to confirm verbally that they had issued the letter, then they finally talked to HR and asked a bunch more questions. It was bizarre and honestly, my employer was apologizing to me by the end of it while I was apologizing to them. 3) They didn't care about official loan deadlines, because it seemed to be their plan to keep asking for extensions. We initiated everything on 9/8 and as of 10/17, past the 30 day mark, they were still "gathering information." Working with the company we ended up going with, we started with them on 10/21 and everything was completely wrapped up by 11/14. 4) When working with other loan officers I've had experience with, they will do things periodically on weekends or in the evenings as necessary to hit deadlines. This team seemed to never work weekends and at one point Ander went MIA for over a week of the process and was supposedly on vacation with no back-up. This wouldn't be a big deal if it were a longer process, but over a week out of 30 days is pretty extreme. From what I can tell, these people just aren't that skilled. They clearly have a big company and Factory is an apt name for it as I think they just get as much business as they can get, turn and burn, and don't really care about the service they are providing. read more

Prefer ZERO STAR to this company. Erick Salmeron -loan officer is very rude , and unprofessional, he will argue or scold at and THREATEN client for no reason. He would even scold someone who wasn't his client. ALTHOUGH THE CLIENT DOES NOTHING WRONG! Erick Salmeron will still scold or being rude to the person. WILL DEFINITELY NOT recommend Erick Salmeron or this company to others for doing any kind of business. read more

I HIGHLY recommend working Antonio! I had a wild ride to get my loan closed on time as I was traveling. Antonio was able to close my loan on time before I left for my second vacation. I am so grateful that he was my loan office and will revisit him whenever I decide to refi. read more

I would actually put this as no star, considering the outcome we encountered. Patty Portocarrero is her name!! SHE WAS EXTREMELY RUDE TO MY REALTOR AND THE BUYERS REALTOR, saying how she was annoyed with us advising that she would not return emails or phone calls, simply because she was annoyed!! I'm sorry but when you're in this seat you need to communicate regarding all aspects of the process and this is on a timeline!! We tried to email her and her email stated she was out until a certain timeframe. We emailed her other colleagues to ask for updates and " crickets"!! She and her team were very unprofessional, I can't imagine who else she treats like this!! I do not think this position is suitable for her as she did not help, we actually had to go with another lender of how ugly she was!! read more

Loan Factory - This is Patty - Mortgage Lenders Near Me - San Jose, California

Keshav Sharma and his team from Loan Factory, Helped me with securing Loan for my first home in Puget Sound Area (Lake Stevens, WA). The whole process was really seamless and they helped me secure really competitive rate against market accompanied with good Lender credit. He helped wave off Loan Appraisal and also we were able to exercise feature of One time Rate Buy Down feature - as the rate moved down in end of July in anticipation of fed rate cut. Kathleen Gasmen - his Loan processor was really helpful co-ordinating with different stakeholder, having the Loan Signing schedule and had me posted about different stages on Loan process - so I am well aware where the process is moving which really helps keep the anxiety in control. I would definitely recommend them, to all my friend and colleague looking for loan or anyone generally looking for mortgage options. Two thumbs up guys. Himanshu. read more

Initially reached out to Loan Factory on yelp along with several other mortgage brokers to see who had the best rates. Their CEO Thuan Nguyen responded and his rate/offer was the most competitive. Decided to give him a call and let him know the situation we were in as we needed to make a rush switch and do everything possible to close in 2 weeks. Thuan assured me they could get it done and looped in his team. This was a very rush/urgent situation given the short timeline. Matt Hang was assigned as my loan officer handling my loan. He and the loan processor Sophie Pham worked diligently and professionally to get to the end goal of closing the loan. Although I probably wasn't the easiest client to work with given the urgency and my constant follow ups, Matt and Sophie remained professional and kept pressing forward to get this closed. We did have to extend two days past the expected close date, but there were several conditions to get through so this was still a solid success. I recommend Loan Factory for both their competitive rates and ability to get it done. read more

My daughter's buyer used the Loan Factory and we had the worst experience possible. I have been in the industry and I know how loans should be processed. MATT HANG from the Loan Factory refused to allow a 10-day loan contingency to be removed for 25 days after the contract was signed. There were no issues with the loan, but the but the loan contingency was not removed until the loan was "cleared to close". Attempts to escalate this issue initially resulted in a few texts from Matt but he stopped being responsive. Calls to the office on Tully Road got nowhere, there was no escalation path. Calls to an East Coast office business rep indicated there was no problem with the loan and it shoudl have been approved. I have been involved in transactions with hundreds of lenders, this was BY FAR the worst experience ever. read more

Horrible experience with a broker named Patty Portocarrero who lacked communication skills. Instead of being well versed on how to handle situations she stopped answering emails and phone calls. She blew the buyers chance in being able to buy a home. When I called to make a complaint i was told i would get a call back and they never called back and this is why im writing a review. I have never worked with a lender who stopped answering emails and phone calls and left the buyer in the dark. Unprofessional and extremely unacceptable. I will NEVER recommend anyone to her. read more

dont bother giving your critical home buying project to this firm. At least the agent we worked with, very inexperienced.

This review is for Matt Hang, who was our loan officer who helped us with our first-time home purchase! I will happily refer anyone who is looking to buy their first home to him. Matt really went above and beyond in supporting us throughout the entire process. I think I've probably called him over 20 times, in addition to spontaneous emails - and every single time, Matt was very quick to respond and was very helpful in answering all of my questions. He made us feel secure through every step, taking the time to help educate us on the home buying process to make sure we fully understand what was going on. Additionally, our escrow company was impacted by a cybersecurity attack right before we were scheduled to close (you can imagine how stressed we were), and yet he was able to work some magic with our lender and title company and helped us find a way to still close and become homeowners! Needless to say, we'll be a recurring customer. Thanks Matt + Loan Factory! Oh almost forgot, we were able to close in just 24 days. read more

Worst experience ever. Loan processor messed up the file and I missed my closing date two times finally had to make my own arrangement for closing to avoid losing the earnest money. Stopped responding to my emails a day before closing. Poor coordination between loan officer and loan processor blaming each other for failure. Closing conditions were not communicated clearly leading to complete fallout at last minute. Also made me pay extra for appraisal because of their delays. Never trust this company for your mortgage needs. Never received an apology from them for making such blunders and causing unnecessary stress and inconvenience to me. read more

Highly recommend. I deal with other brokers in the past, they were horrible, not respond, only give you headache. I just closed 2 loans with Loan Factory with no issue and thinking to do another one. My family and friends worked with them with no complain. Loan Factory is the best. Very responsive, they will answer your call or at least text you when they're busy; but they will return your call. Find your best rates & fees on their website. No BS. Special thanks to Kira and the team that helped me on both loans. Definitely will come back again in the future. read more

I recommend Loan Factory 100%! I've been raving about them to all of my friends and urging them to re-finance NOW! It is absolutely the best time, interest rates are rock bottom. I actually shopped around a lot and they had the best rate so I went with Loan Factory and ended up working with Hai Nguyen. Everything was so easy and efficient. All online right up until the final signing (that has to be in person with a notary). Their website is super easy to use and they were very clear communicators. Also they are super responsive and work around the clock! They really delivered! Would totally use them again! read more

Highly recommended. Great service with exceptional low rates. Customers know in advance their closing cost. Thao Nguyen and Tuan Huynh were very helpful and dedicated. They both have excellent customer service and response to questions, emails, calls, and text messages in a timely manner. Thao made the whole refinance process very smooth and easy. She was extremely polite, respectful, and honest. Great attitude and communication. This is my 6th or 7th refinance with Loan Factory. My family and I would continue getting loan service in the future with Loan Factory. read more

Loan Factory and their team is the best at what they do. Sherry is attentive and responsive. They will find you the best rate and will guarantee it. They are a high volume processor and it shows with their knowledge and experience. I bought my house with them and have refinances with them, highly recommend. read more

First of all Loan Factory should be one of your first stop for mortgage shopping. Their response and knowledge to close loan is amazing and they do have a good number of lenders thru which they offer low rates. Closing cost that was promised to me during my initial quote was honored and ultimately got a bit more than promised. They are very professional, especially thanks to "Anh Vu" and "Steve" for helping me in every step of my refinance. Would definitely recommend for your real estate purchase or re-finance. read more

Matt, Dinh, Tuan and their team at Loan Factory were very helpful, respectful, very fast, efficient and knowledgeable! They serviced us even during off hours. Matt was the main person who assisted us to the loan of our first home with professionalism and speed! His kindness and respectfulness was a bonus! We are very pleased and would definitely recommend everyone to find Matt! Thank you again Matt for your expertise! read more

This is my second time doing refinance with Loan Factory. The second time is much easier since I already had an idea of the refinance process. The whole application is very fast and all through online. This works very well for me since I barely have time to visit office for paperwork. The staffs are very responsive and knowledgeable. I would do it again if time is right :) read more

Please beware if your trying to do a multi unit property refinance. They don't know current guidelines. I had a loan that ran into issues and no one was able to successfully guide me to close on the refinance. I wasted a lot of time and energy to find out the lender would not to the loan a month into the process. Stay Away if your loan is multi unit. read more

I did a refinance with Loan Factory and my experience is great. I was able to lock in a super low rate (3.6) with no closing cost, even had lender credit $1700 after I closed. Basically, I was paid to do a refinance with a lower cost, so it's a win-win-win. Thu Pham was my loan processor. She was very dedicated and stayed on top of things, super patient when answering my questions. I really enjoyed her customer service. Would definitely do business with Loan Factory again! read more

I was referred to Loan Factory by a friend who got purchase loan from them. My entire process turned out to be fast as expected and everything went smoothly. Thanks to Quynh for her tremendous efforts to get the refi completed as quick as possible! Very impressed by their service and I like their automated emails to notify client of each step was informative. I would recommend this office to everyone. read more

Loan Factory was very efficient in taking care of our loan. Our agent, Krystal guided us through all the steps for us to get the best rate for our refi. She is constantly available for any questions, and if she is not clear on an answer, she makes sure she promptly gets back to us after she checks with her peers. She assisted us with anything we need to provide to the lender, especially making sure that we are reminded if some extra paperwork is necessary or a deadline is coming up. I would work with them again in the future for any financing needs and I would definitely recommend them to my family and friends! Thanks Loan Factory for making our refi loan application run smoothly and in record time. read more

Just finished a 15-year loan refinance with the Loan Factory. It took about a month, from start to finish, and they are on top of the situation. There is a lot of communication when there needs to be, and they make themselves available for your questions and concerns. In particular, Angela was very helpful in guiding me through the loan process and laying out what I should expect next. I've refinanced a number of times over the years and I must say the Loan Factory made it the smoothest process I've been a part of. read more

I have a great experience with loan Factory My loan officer (Sy Le) was very knowledgeable and responded very fast on all of my requests I highly recommend Loan Factory read more

I worked with Billy, Kelly, Ngoc and James in order to complete a refi of my home. All of the team kept me up to date with the latest information, was always responsive when I emailed and texted, and was completely honest in their work with me. I appreciated the step by step guidance, the transparent process, and how the team patiently answered any questions I had. Would definitely do business with them again. read more

I'd give Loan Factory 10 stars if I could. I was referred to Loan Factory by my mom, who has refinanced with them several times, and also referred my brother to them a few years back when he was considering purchasing a home in the Bay Area. In fact, my mom used to be a mortgage broker, but eventually gave up that side hustle due to places like Loan Factory. She said she could never compete with their rates. Loan Factory has some of the lowest rates around, and they turn things around SO quickly. I believe everyone at Loan Factory works with the same urgency and has the same unparalleled work ethic, but I have to give special thanks to Khoa Tran, who saw us through from preapproval to close of escrow. He was so efficient every step of the way, and was always extremely responsive. The seller wanted a 25-day close, and Khoa made sure to under promise and overdeliver. He got an appraisal waiver for us and stayed on top of the title company to speed things along. It truly is a testament to all of Khoa's efforts that we were able to close in under 20 days. I've already recommended them to some of my friends who are thinking about dipping their toe in the market. I believe they are licensed in most states so you are not limited to the Bay Area! Thank you again to Khoa and the entire team at Loan Factory! read more

We just got a loan, closed escrow and got the keys for our new home on May 1st. with Loan Factory. We are so happy with their professional service. Special thanks to Trung and Sherry. We highly recommend to everyone. read more

If there is anything I have to say. Please don't go with these people Big liars even managers are not upto their promises Waisted my 50 days with this company every time I call they lie. I called lender there was nothing going on what they were explaining Worst service in my life. Please people don't give anything to them. No knowledge of anything what they are doing If there is 0 stars I will give this company Specially Ravneet Sophie Aneet. Worst experience of my life. read more

Loan factory has consistently provided excellent services for me over the year, and once again with the recent loan. Vivian went above and beyond to help me locked in the best rate for my case. Excellent customer service. Special thanks to Vivian, Jayden, and Randy for making the process very smoothly. I highly recommend Loan Factory for anyone who's looking for the best rate with the new or refinance. read more

I just completed refinancing two homes through Loan Factory and they were outstanding. I have worked in the financial services industry for 40 years, so I have high expectations. Their communication was consistent and I felt that I was never "in the dark" throughout the process. The pricing was VERY good...I am 100% pleased. Angela Tran was my Agent...she was very good! read more

I strongly recommend Loan Factory, especially Christine Hwang, Loan advisor. She did a great service and easy communication in many ways. Great refinancing rate too. Definitely I will work with them again in the future. read more

The loan group in LA is one of the worse. Nam N. is a lead loan processor in LA. I was applied for rate 2.25/15 fixed then he called me to update my bank statement without an official to complete the loan and can get lower at rate 2.125 then now said that the rate lock at 2.25. This is unprofessional job and just want to get it done by "lied" to customer about the rate!!! Kept asking to lock at the higher rate!!! Same as Anh V. is a loan processor. She asked to have an official bank statement then later said no need to have official!!! Make sure don't ever work these two people, and who would want to work with Loanfactory in the future. Try somewhere else. read more

Started my application with them and initially it was good. Received some calls and exchanged information. Eventually things slowed down to a halt. I was constantly emailing and calling to check up and the same problems and responses kept coming up. The people managing my case seemed to not really understand what was going on - perhaps inexperience. Over a month passed and my rate could not even be locked. I missed out on valuable opportunity costs of when the rates were much lower with low closing costs. Eventually I finally gave up on this company and chose to work with another. I was able to lock my rate and within 3 weeks, I am closing on my new refinance. Tip: if you do choose to work with this company, make sure to call and email them every single day to remind them to do their job. If you don't, expect your case to sit on the back burner read more

Loanfactory was refreshingly fast, responsive, professional, and informative every step of the way. The rate we got was by far much better that rates offered by competitors and the customer service was unparalleled. I was very pleasantly surprised with the rates offered, amazing customer service with a personal touch, and the fast progress from agreeing on the rate to finalizing the refinancing process. We have refinanced a couple of times with other companies and the experience we had with Loanfactory was much better! Highly recommend the team and I'll definitely work with them again in the future. read more

They offer good rates and work very fast to close loans. The website also has a tool to calculate refinancing options. Definitely recommend.

I can't say enough good things about Loan Factory and specifically, about my interactions with Kieu Vo, Grace Phan, and Ethan Pham-- they were responsive & knowledgeable and easy to work with. Their website is easy to navigate and use. If you need to refinance, definitely give Loan Factory a try! read more

I was referred to Loan Factory by a relative. They helped me successfully with a refi for a jumbo loan. Their communication was consistent and their online tools made the process very easy. Thuan and Katie were very friendly and nice to work with. I will be recommending them to friends and relatives. read more

Ngoc Ho saves the day again! I just refinanced with Loan Factory and Ngoc was incredibly helpful and unbelievably quick. I reached out to Ngoc on 6/12, locked in the rate on 6/15, and was signing with the Notary on 6/24! The loan funded on 6/29 and so this minimized my overpayment to the old lender. And I received an email from the new lender (Rocket Mortgage) on 7/2 to set my new account. So quick, easy, transparent, seamless, and a fantastic rate (2.125% for 15yr, no cost, and a nice credit as well!!). Ngoc was transparent with all communications (email and text), she helped facilitate all the documentation I needed to provide (using a secured google drive, docusign, etc), and she answered all my questions within the same day. Ngoc kept me up to date with all the information and documents needed. I highly recommend Ngoc Ho from Loan Factory and would definitely reach out to her again. read more

Fantastic company 100% the leader and CEO Thuan is a brilliant mastermind and has a genuine love of helping people , great work

I can happily recommend Loan Factory for the following reasons: First, they had the best rates! Secondly the staff was so polite and caring. I worked with Carolyn who guided me through everything and got back to me so quickly when I had a question, even after hours. Third, it was very easy to upload the documents, Fourth, it was a fast process. read more