If we can't beat another offer, you'll receive $1,000.

(Texas, Colorado, California, Georgia, Arizona, Florida, Illinois, Virginia, Kentucky, Minnesota and Wisconsin properties only)

Terms and conditions

Phung Pham

Loan Officer

Bio: I'm Phung Pham, a CMA loan officer at Loan Factory, Inc., devoted to helping my clients achieve their financial goals. I deeply value my clients and am committed to supporting them wholeheartedly, while also actively listening to and understanding their financial needs. This allows me to craft the best-suited solutions to fulfill their unique requirements and ensure their success.

Phone: (321) 310-4761

NMLS#: 2502864

License states: South Carolina, Texas, Florida, Georgia, California

Spoken Language: English, Vietnamese

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.