Our services focus

The HomeLoan Workshop powered by Loan Factory

We serve the State of Florida with an attitude and with the belief that everyone has the right to one their own home. We approach every loan situation with genuine enthusiasm. We have served clients loan needs for over 20 years. Focusing on serving Florida and the emerald coast with dedication to offer you the best loan package for your needs guaranteed.

Non-Qualified home loans - conventional loans - USDA loans - FHA loans - VA LOANS

Why are our rates so low?

1. WE SHOP RATE: We compare real-time rates from 240 lenders to find you the best deal.
2. WE NEGOTIATE: Our big size allows us to negotiate exceptionally low rates from lenders.
3. WE LOWER OUR PROFIT: We keep per-loan-profit small, focusing on high volume to make it up.

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 $1,000 check

Best loan price guarantee policy (including the lowest rate and fees)

Step 1: Provide us with a Loan Estimate so that we can compare
Step 2: If we are unable to offer a better deal, you will proceed to lock rate and share the locked LE (on the same date) for us to try and beat.
Step 3: If we are still unable to beat the offer, you proceed to close with the competitor. After closing, please show us the Final Closing Disclosure and Loan Factory will pay you $1,000.

Loan Factory confidently offers our $1,000 Lowest Rate & Fees Guarantee. We've thoroughly checked our competitors and know we have the best deal. With our top-notch mortgage platform, we search through our best lenders to find you the cheapest rates and fees. Plus, we simply earn less on each loan. We might not make as much on each deal, but we make up for it by doing lots of loans. Our special low-cost way of doing business sets us apart from other lenders. That's why we have such low rates, and why we're happy to offer our $1,000 Lowest Rate & Fees Guarantee. Other banks, credit unions, and mortgage companies won't promise the lowest rates and fees because they know they don't have them.

Offer expires June 30, 2025