Treasury Notes (updated daily at 7AM PST)

2-year: 3.614%
5-year: 3.727%
10-year: 4.142%

$1000 price guarantee

(TEXAS, COLORADO, CALIFORNIA, GEORGIA, ARIZONA, FLORIDA, ILLINOIS,
VIRGINIA, KENTUCKY, MINNESOTA AND WISCONSIN PROPERTIES ONLY)

Terms and Conditions

Mortgage Rates

Why are our rates so low?

1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 217 lenders in real-time for you.

2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States.

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

236+

Number of Lenders

100+

Google Reviews

2269+

Loan officers

48+

Licensed states

Ready to begin?

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My reviews on Google

Services We Offer

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.

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.

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.

Testimonials

Zero cost loan was better for me

It makes a difference when someone knows their job well enough to give a brief education to a client. I was going back and forth on paying closing costs or doing a zero cost loan, adding the costs to the interest rate. Well my goal was short term and I was going to need to refinance again within a year for personal reasons. Made sense not to lose all the up front costs by amortizing them over the full term of the loan so when I refinanced the 2nd time I didn’t lose all those costs. So hard to find a loan officer that works for a lender that is this well informed. Highly recommend them.

Cameron T.

Retail Manager

Had zero cost loan but showing the cost was better for me

I have been shopping loans for a while and have been focused on loans that are zero-cost loans. I didn’t understand that those costs just get embedded into the loan interest rate and by not showing them I can’t write them off my taxes. After discussing it with my CPA I found I Love My Lender’s suggestion was correct and closed that way. I am paying less per month than I would have and got the tax write-off on top of it. The very knowledgeable crew there.

John S.

Insurance Agent

Closing at my convenience

Seems they can make things work under my schedule no matter what. Ended up taking a quick vacation with family and our closing date came up. I Love My Lender found a way to send a notary to me at the resort I was staying at. Nothing like signing loan docs with a Mai Tai. Thank you for making it easy for me.

Kelsi G.

Insurance Broker

Turned my situation around

We had our current lender mistakenly show mortgage rates and put a foreclosure against us because of it. Mr. Diamond spent time with our lender explaining the situation, got them both turned around, got our refinance done, and saved us tens of thousands per year! Amazingly talented. Highly recommend this company.

Robert B.

MD

Have to give them credit

We had a large jumbo loan and they guided us through what we needed to do to increase our credit score and gave us an easy way to monitor it. They helped us get our score up and saved us a lot on the better rate we got with the higher score. Highly recommend them.

David K.

Auto Restoration

Riding the Rates was a great ride

I got on the rate update list back in June of 2021 and since I could see daily how rates were changing I got to take advantage of the drop in late July. Got a better rate here than I would have anywhere else as most want you to lock right away. I Love My Lender not only has a strong understanding of the lending space, they share the information to benefit their clients in a way no other lender does. Highly recommend the team at I Love My Lender.

Erica S.

CPA

I won the bid on my property!

It is so competitive buying property right now, and a lot getting sold all cash, that I was losing property bids left and right. Unfortunately I was not in a position to buy all cash. Then I found I Love My Lender and got one of their E Pre-Quals to submit with my offers. Sellers loved the fact that we could get started sooner than other people with pre-qualification letters and I won my next bid! Name works for me – I Love My Lender. Recommend them to anyone.

Monica Q.

IT Director

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

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.

Contact Us

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