Raymond Kangas
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced mortgage professionals.
Phone: (619) 274-5015
NMLS#: 998967
License: CA
Spoken Language: English
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 199 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 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
199+
Number of Lenders
9230+
1468+
Ready to settle your mortgage plan?
We are here to help you with a great deal.
Services We Offer
Home Purchase
Are you a first-time home buyer? 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 get great deals for your financial plan. As rates are 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.
Raymond 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 Ray!
Ray was a pleasure to work with, he helped us to buy a home which we were waiting for a long time. He goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Ray if you are buying a house.
Raymond 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. Raymond was a pleasure to work with. We are immensely satisfied with Raymond's service.
Why Us
Independent Advice.
We commit to always give you independent advice regarding your mortgage options.
Customer First.
We make less per loan than competitors and pass the extra savings to our clients.
Low Available Rates
You will always get great deals with our real-time pricing engine.
Fast, Convenient, Local Service.
We are just one call, text or email away.
Contact us today
Your new mortgage is one call away. We will get back to you immediately.
CONTACT US NOW