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Opening Time

Mon - Fri 09:00 - 18:00
Sat 09:00 - 14:00

Brian Pham

Brian Pham

Loan Officer

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.


Welcome! I'm Brian, your Mortgage Expert, bringing over 7 years of invaluable experience in consumer lending to the table. Throughout my career, I've been deeply involved in empowering individuals to navigate the complex world of mortgages with confidence. Whether you're a first-time homebuyer or a seasoned investor, I'm here to provide personalized guidance tailored to your unique financial goals. Beyond my professional pursuits, I'm an avid enthusiast of staying updated with market trends and developments. This dedication ensures that I offer you the most informed and up-to-date advice possible. Feel free to explore the resources on this website and reach out with any questions or inquiries. I'm committed to helping you achieve your homeownership dreams. Let's embark on this journey together!

Phone: (714) 661-3763

NMLS#: 2217251

License: CA, TX

Spoken Language: English, Vietnamese

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 187 lenders in real-time for you.
  • 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed 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.



Number of Lenders


Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

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.

Re-finance Low Rate

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.

Re-finance Cash Out

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.

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.

Contact us today

Your home is one call away. We will get back to you immediately.


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