Start with a quick pre-qualification, then complete your full application on Loan Factory’s secure portal.
Step 1 — Quick Pre-Qualification (2 minutes)
No SSN in this form. Your full application happens on the secure Loan Factory portal.
Step 2 — Full Application (secure Loan Factory portal)
What you’ll need: pay stubs, W-2s or bank statements, tax returns (past 2 years), bank statements (past 2 months), ID.
$2,000 Best Price Guarantee
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.
Maryam Vafa — NMLS #1855851. This is not a commitment to lend. All loans subject to credit approval.
What Documents Do I Need?
The exact list can vary by loan type. Maryam will confirm what applies to your loan. In general, be ready with:
- Government-issued photo ID
- Pay stubs (most recent)
- W-2s (past 2 years) for employed borrowers
- Tax returns (past 2 years)
- Bank statements (past 2 months)
- For self-employed / bank-statement loans: business + personal bank statements (past 12–24 months) instead of tax returns
Pre-Approval Process
Step 1 — Quick Pre-Qualification: Complete the 2-minute form above. No SSN in this form.
Step 2 — Full Application: Complete your full application on Loan Factory’s secure portal.
Step 3 — Submit documents: Send the documents listed above.
Step 4 — Review and pre-approval letter: Maryam reviews your application and documents and provides a pre-approval letter.