Steven Quach
Loan Officer
What I Do
Purchases, refinances, cash-out, HELOCs, home-equity loans, first-time buyer programs, low-down options, credit-flex structures, self-employed income execution.
How It Works
Check rates
Apply online
Verified pre-approval
Close without drama
Required Docs
Identification
Driver’s license
Social Security Number (submitted securely online or at appointment)
Proof of Income
W-2 employees
Last 2 years W-2s
Most recent 30 days paystubs
If bonuses: last 2 years end-of-year paystubs
Self-employed / 1099 / business owners
Last 2 years personal tax returns (all pages)
Last 2 years business tax returns (if applicable)
Retired
Most recent pension/annuity award letter
Most recent Social Security award letter
Financial Assets
Last 2 months bank statements showing primary reserves
Most recent mortgage statements for any existing properties
Property insurance declaration page for any existing properties
Additional Items
Existing mortgage or HELOC statements (if applicable)
LLC entity documents (if applicable)
Standard Cost Estimates When Shopping
Property tax: assume ~1.25%/year
Hazard insurance: assume ~0.35%/year
Phone: (323) 868-8796
NMLS#: 2066638
License: CA
Spoken Language: English
My reviews on Google
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 234 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
- 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.
OUR ACCOMPLISHMENTS
234+
Number of Lenders
14910+
(Avg. 5.0) Google Reviews
2239+
Loan officers
48
Licensed states
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.
Fast funding,
easy application.
Get your loan today!
Quick Loans, Anytime, Anywhere!
