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We dare you to compare

Why thousands choose Loan Factory

Buying a home is a big deal. We make it easier — with real guidance, zero hidden fees, and a $2,000 guarantee that you’re getting the best deal.

Compare rates instantlyTalk to an advisor
240+
Wholesale lenders compared
$2,000
Best Price Guarantee
TERA
AI-powered platform
48
States, locally supported

Why we’re different

We’re a broker, not a bank — so lenders compete for your loan instead of you taking whatever one bank offers.

Best Price Guarantee

Bring us a competitor’s offer. If we can’t beat the combined rate, fees, and mortgage insurance, we send you a $2,000 check.

Transparent pricing

No hidden or junk fees, ever. You see the full cost of every option before you share a single document.

240+ lenders in one place

Real-time rate comparison across our entire wholesale network — lenders compete, you keep the savings.

AI-powered platform (TERA)

Smart document checks and automated workflows mean faster approvals and fewer surprises along the way.

Nationwide, locally supported

Licensed in 48 states with local advisors who know your market and speak your language.

We earn less per loan

A low-cost broker model funded by volume, not by your rate — the reason our pricing is hard to match.

Meet our founder & CEO

Thuan Nguyen

“My goal has always been to make homebuying simple, honest, and stress-free — so every family can feel confident from start to finish.”

#1 Loan Officer in the U.S. (Scotsman Guide 2021 & 2022)
11,000+ loans and over $2B in volume in 2021 & 2022
Mentor to thousands of loan officers nationwide
Creator of TERA, an AI-powered mortgage platform
Thuan Nguyen
Founder & CEO, Loan Factory
#1 Loan Officer in the U.S.
Scotsman Guide, 2021 & 2022

Frequently asked questions

Loan Factory is a mortgage broker, not a direct lender. We work with 240+ wholesale lenders, so you can compare real pricing and choose the option that best fits your needs.

See how we compare in minutes

No hard credit pull to see your rate. No obligation. Just an honest, side-by-side comparison.

Why Loan Factory — We dare you to compare