In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online.
Assumes a rate-and-term refinance with loan amount between $300,000 and $484,350 on an owner-occupied single-family residence in CA and WA, minimum 760 FICO, 60% loan-to-value with no subordinate debt. If these factors are not met, the interest rate will be higher. Subject to underwriting approval.
Assumes a rate-and-term refinance with loan amount between $300,000 and $484,350 on an owner-occupied single-family residence in CA and WA, minimum 760 FICO, 60% loan-to-value with no subordinate debt. If these factors are not met, the interest rate will be higher. Subject to underwriting approval.
Rates, loan products & fees are subject to change without notice. Your rate and term may vary. If you do not lock a rate when you apply, your rate at closing may differ. Subject to underwriting approval — not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property.
Broker (loan officer) compensation is set at 1% for these rates. The rate with the lowest positive cost is displayed for each state. Rates shown are illustrative; last updated Jun 30, 2026.
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.
Anyone who feels they have been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free) or 1-800-927-9275 (TDD) — Office of Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, 451 Seventh St. SW, Room 5204, Washington, DC 20410-2000.
It is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act, as well as state laws that provide greater protection. Loan Factory does not discriminate against any applicant on any basis prohibited by law, and does not discourage anyone on a prohibited basis from applying.
Under the Housing Financial Discrimination Act of 1977, it is illegal to discriminate in the provision of or availability of financial assistance based on the neighborhood or geographic area surrounding a housing accommodation (unless required to avoid an unsafe and unsound business practice), or based on race, color, religion, sex, marital status, national origin, or ancestry.
These provisions govern financial assistance for the purchase, construction, rehabilitation, or refinancing of owner-occupied one- to four-unit family residences and for home improvement of any such residence. If you have questions about your rights or wish to file a complaint, contact the management of this institution or the California Department of Financial Protection and Innovation.
To help prevent fraud and assist the government in fighting the funding of terrorism and money-laundering activities, we obtain, verify, and record information that identifies each person who applies for or obtains a mortgage loan.
When you apply for or obtain a mortgage loan, we will ask for your name, address, date of birth, and other identifying information. We may also ask to see your driver’s license or other identifying documents.
CA DRE #01771313 · Equal Housing Lender. For full licensing information, visit the NMLS Consumer Access site. Questions about a disclosure? Reach out any time.