- Laguna Niguel, CA 92677
- (949) 431-6565
- Mon - Fri: 9:00am - 6:00pm
Search, tour, offer, and close with one guide.
Purchase loans: Conventional, FHA, VA, bank statement, non-QM.
Lower your payment, shorten your term, or tap equity.
Know your real number before you shop. Get Pre-Qualified
Every loan program below has its own requirements. Maryam will confirm which programs fit your situation.
A standard mortgage not insured by the government. Terms and requirements vary by lender.
A loan insured by the Federal Housing Administration, often used by first-time buyers and borrowers with smaller down payments.
A loan guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, and surviving spouses.
A loan backed by the U.S. Department of Agriculture for eligible homes in qualifying rural areas.
A loan above the conforming loan limits, for higher-priced homes.
A loan whose interest rate can change after an initial fixed period.
Low-down-payment loan options from Fannie Mae (HomeReady) and Freddie Mac (Home Possible) for eligible borrowers.
A loan that uses bank statements to document income, for self-employed borrowers whose tax returns do not show their full income.
A loan for investment properties that qualifies based on the property’s rental income (debt service coverage ratio) rather than the borrower’s personal income.
A loan that qualifies based on the borrower’s assets rather than traditional income documentation.
A loan for non-U.S. citizens purchasing property in the United States.
Refinancing to change your interest rate, loan term, or both, without taking cash out.
Refinancing for more than you owe and taking the difference in cash.
A simplified refinance for existing FHA loans, with reduced documentation.
A streamlined refinance for existing VA loans (Interest Rate Reduction Refinance Loan).
A simplified refinance for existing USDA loans.
Refinancing using bank statements to document income, for self-employed borrowers.
Refinancing an investment property based on its rental income.
Refinancing based on assets rather than traditional income documentation.
Refinancing for non-U.S. citizens who own property in the United States.
A home equity line of credit — a revolving credit line secured by your home’s equity.
A loan for eligible older homeowners that converts home equity into cash without monthly mortgage payments. The loan is repaid when the home is sold or the borrower moves out permanently.
If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance — we’ll send you a $2,000 check.
Terms and conditions apply. See Loan Factory’s Best Price Guarantee terms.
Questions? Call Maryam at (949) 431-6565.
Maryam Vafa — DRE #02088880 — NMLS #1855851
Equal Housing Opportunity
