Loan Factory

Get mortgage numbers from Loan Factory, Inc. (NMLS #320841), a licensed mortgage broker, priced off today's lender rate sheets. Ask what a loan would cost you and get current options with the note rate, APR, monthly principal and interest, mortgage insurance where it applies, and estimated closing costs. Check whether a loan is conforming or jumbo in a county and what the FHA limit is. You do not need a ZIP code: give a city and state and it finds the county. Work out how much home you can afford on your income and debts, a monthly payment with taxes and insurance, whether a refinance pays off and when it breaks even, and whether buying beats renting over the years you plan to stay. Look up plain definitions of mortgage terms. Give a US property address to get public-record facts: property type, size, lot, year built, last sale, assessed value, tax and, where available, an estimated value range. Owner names and contact details are never returned. Ask to be emailed when rates reach a target. Loan Factory emails the address to confirm the alert, with links to change or stop it, and you can stop alerts started from this app at any time. Answer with whatever you know. If you leave something out, a representative figure is used and reported back, so you can see what the numbers rest on and correct it. Figures are estimates, not loan offers or locked rates. Loan Factory does not pull credit, approve loans or take applications here, and rates are available only where it is licensed. No account or sign-up is required.