Mega Capital Funding
- QM Loan
- Jumbo
- Non-QM
- Home Equity
Smarter mortgages start with more choices. AI-powered technology connects you to 240 lenders and 2,500+ loan officers to help you find the right mortgage.
Shop around with confidence. If another lender gives you a better written offer for the same loan and we can’t beat it, the $2,000 is yours.
Terms and conditionsComparison: another lender's written offer has a higher price; Loan Factory's written offer has a lower price, marked best price.
A few of the wholesale lenders that compete for your loan on our platform — so you never have to shop them one by one.
I would give Lucy and Kimberly 6 stars if I could, because 5 stars simply aren’t enough to describe how amazing they are ⭐⭐⭐⭐⭐⭐ A huge thank you to Lucy and my agent, Kimberly, for their incredible support throughout my home-buying journey! Both of them were absolutely wonderful. They were patient, knowledgeable, dedicated, and genuinely caring. They guided me through every step, answered all my questions, and went above and beyond to make sure everything went smoothly. Buying a home can be stressful, but having Lucy and Kimberly by my side made the entire experience so much easier and more enjoyable. I’m truly grateful for their hard work, time, and dedication in helping me make my dream of owning a home come true. If you’re planning to buy a home, I highly recommend Lucy and Kimberly. You will be in the best hands! Thank you both from the bottom of my heart. You deserve more than 5 stars!
If you are in need of a realtor Roberto Soto is the one for you. 10/10 experience! Roberto made our first home purchase come true he was always available to answer any questions and help out with anything. He made our closing process easy as could be, we couldn’t have asked for a better realtor than Roberto. Loan Factory is the way to go!
Thank you, Amilia and Evelyn, for helping my sister throughout the process! This is not first time working with Amilia, everything went smoothly. We truly appreciate your support, and excellent service.
Ended up with an awesome deal, Susan and the team walked us through the whole process and made us feel cared for.
Greatttt working with the team and process simple
Mark was great to work with! He was professional, helpful, and responsive throughout the entire process. He made everything smooth and easy. Highly recommend him!
Loan Factory is an AI-native mortgage technology company. Our platform shops 240+ lenders for you in seconds, keeps our fee small, and still gives you one person to call from the first question to closing day.
You fill out one application. We send it to many lenders and show you the best price we find. More lenders means a better chance at a lower rate.
Our fee is lower than most banks, so more of your money stays with you. If another lender gives you a better written offer and we cannot beat it, we pay you $2,000.
The same licensed loan officer handles your loan from start to finish. Call or text them any time. You will never be passed to a call center.
Our AI monitors your file and moves your status forward the moment underwriting clears a step — see it live from your phone or computer. Prefer paper or a phone call? Just ask.
One application, matched to the loan program that fits how you’re buying.
Explore programsLower your rate, shorten your term, or turn your equity into cash — whichever fits your plan.
Explore programsTell us about your loan once. Our AI pricing engine handles the rest, instantly, no phone tag.
Compare live pricing across 240+ lenders in one view, AI-ranked by fit — no spreadsheets, no guesswork.
Found the one? Lock your rate with the lender you picked, so market swings can’t touch it while your loan moves to closing.
Submit with confidence. Our AI reviews your file and advances your status automatically, so you track real progress to closing day.
We'd love to know who's on the other side of the screen
Tell us about your loan once. Our AI pricing engine handles the rest, instantly, no phone tag.
We'd love to know who's on the other side of the screen
Compare live pricing across 240+ lenders in one view, AI-ranked by fit — no spreadsheets, no guesswork.
Live pricing across our lender network
Found the one? Lock your rate with the lender you picked, so market swings can’t touch it while your loan moves to closing.
Protect today’s price while your loan closes
Submit with confidence. Our AI reviews your file and advances your status automatically, so you track real progress to closing day.
Track every step until closing day
Stop checking rates every day. Tell us your email and we’ll let you know the moment rates hit your target.
We shop 240 lenders for your loan. One loan officer helps you the whole way.
Nothing up front. We keep our fee low so your rate is lower.
No. We only check your credit when you decide to apply, and we ask first.
About 15 days. Most lenders take 30 to 45.
Find a better offer on the same loan and we pay you $2,000. Terms apply.