Home loans, explained in Vietnamese and English
I’m Quyen Nguyen, a loan officer at Loan Factory. I compare pricing from 243 lenders to find a loan that fits your income and your plans in Washington, California and Oregon.
NMLS 2797128 5.0/5 from 21,774 Google reviews of Loan Factory
What do you need?
Bring any other quote. Let's compare.
Loan Factory figures, from loanfactory.com.
How much home can you afford?
Illustration only. Not a quote or a commitment to lend.
How I advise
Explained in your language
Ask in Vietnamese or English and get answers in the same language, including every line of the English paperwork, from the first call up to signing day.
I’ll say “not yet” when the numbers don’t work
If a refinance won’t break even, or buying now would drain your reserves, I’ll tell you and show you what to prepare.
Compare on the Loan Estimate
Every option comes with a Loan Estimate showing the rate, APR, points and each fee. Bring a quote from anyone else and we compare it line by line.
No credit pull until you agree
This site never asks for your SSN. I only pull credit after our first call, with your permission.
What clients say about Loan Factory
I had an excellent experience working with Aziz Hasan and the Loan Factory team. Aziz was professional, knowledgeable, patient, and always available to answer my questions throughout the home-buying process. He guided me every step of the way and made a complicated mortgage process much easier to understand. What stood out most was his honesty, humility, and dedication to helping me get to the closing table. He kept me informed, responded quickly, and worked hard to make sure everything stayed on track. I truly appreciate all of Aziz’s support and would highly recommend him to anyone looking for a reliable and trustworthy loan officer. Thank you, Aziz, for helping me become a homeowner!
I've worked with loan officer shen on mortgage loan and every experience has been outstanding. They are knowledgeable, responsive, and made the entire process smooth from start to finish. Communication was always clear, and they took the time to explain every step, answer all of my questions, and make sure I understood my options. Their attention to detail and proactive approach kept everything moving on schedule I truly appreciate them
I worked with Brenda. She was patient and kind, taking time to explain terms and procedures throughout the entire process. I felt confident moving forward with her guidance. The processing of the file was speedy, and they worked with my circumstances to ensure I got what I needed.
Google reviews of Loan Factory, the company I work with: 21,774 reviews, 5.0 average.
From first numbers to keys in hand
Estimate
Use the calculator on this page.
Talk
A 15-minute phone call.
Pre-approval
Know your loan amount before you shop.
Purchase contract
I handle the loan paperwork.
Get the keys
Sign and move in.
Questions to ask any lender, including me
What’s the APR?
The rate alone leaves things out. APR folds in the fees, so two quotes compare more fairly.
Are there points?
Points are cash paid upfront for a lower rate. Ask how much, what rate it buys, and how long until it pays off.
When does the rate lock expire?
If closing slips past the lock date, an extension can cost money.
Which fees can still change before closing?
The Loan Estimate separates fees that can change from fees that cannot.
Is there a prepayment penalty?
Most loans on a home you live in do not have one. Some investment property loans do.
Watch for wire fraud. If an email or text says the account for your closing funds has changed, do not send money. Call the title company at a number you already had to confirm.
Common questions
Does it cost anything to talk with you?
No. The first call, the numbers and the pre-approval are free. Every fee on the loan is listed on your Loan Estimate before you decide.
Will applying on this site pull my credit?
No. This site doesn’t ask for your SSN and doesn’t pull credit. I only pull credit with your permission, after our first call.
Can I get a loan if I’m not a US citizen?
Permanent residents can use most programs. If you’re on a work visa or use an ITIN, there are specific programs, and the requirements vary by lender. Send me your situation and I’ll check.
What if I live in another state?
I’m licensed in Washington, California and Oregon. The home needs to be in one of those three states.