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Steven Quach
Loan Officer
Steven has been in the real estate and mortgage industry since 2008. Understanding the importance of affordability, he offers low mortgage rates alongside a convenient online loan application process for his clients and aims to be your trusted low rate home loan expert. At Loan Factory, you will have a team of experienced loan officers and processors to complete your purchase or refinance in a timely manner. Contact Steven today to discuss locking in the best rate and loan program for your needs.
Pre-Underwrite Your Purchase Loan
Pre-underwriting paves the way to homeownership, especially if you have varied income, by ensuring all required documentation are verified and reviewed by an underwriter before an offer is made.
- Reduce anxiety: Avoid offer withdrawal due to later loan denial.
- Boost your offer: Submit stronger offers with pre-approval validation.
- Address diverse income: Handle complex financial situations before writing your first offer.
- Streamline your process: Skip loan hurdles in escrow, except for appraisal.
Phone: (323) 868-8796
NMLS#: 2066638
License: CA
Spoken Language: English
Mortgage Rates
Why are our rates so low?
- 1. We shop dozens of the top lenders in real time to find you the best rate.
- 2. Loan Factory was the #1 Mortgage Broker in the US in 2021 & 2022. Because of this volume, we can negotiate ridiculously great rates with lenders.
- 3. Our profit per loan is much lower than others. I know that if I give you an amazing rate, term, and service you will share your experience with others.
Our Accomplishments
29977+
Customers
$12.1+
Billion in Closed Loans
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.
Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan As rate is updated in real time from lenders, your refinance plan will just get better.
Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
Why Us
Independent Advice.
We commit to always give you independent advice regarding real estate and mortgage options.
Customer First.
We make less per loan than competitors and pass the extra savings to borrowers.
Low Available Rates
You will always get great deals with our real-time pricing engine.
Fast, Convenient, Local Service.
we are just one call away from your requirement.