Xiaolan Zhu
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio: As a seasoned mortgage loan officer, I have a deep understanding of the intricacies of the mortgage industry. I have worked with a diverse range of clients, from first-time homebuyers to seasoned real estate investors, helping them secure the financing they need to achieve their goals. My expertise includes a thorough knowledge of various loan products, including Conventional(Fixed/Adjustable), Non-QM, FHA, VA, Jumbo and HELOC/HELOAN loans. I am skilled at navigating complex financial situations, such as debt-to-income ratio concerns, credit score challenges and income verification issues. I pride myself on providing exceptional customer service and personalized attention to each client. I understand that the homebuying process can be stressful and overwhelming, and I strive to make the experience as smooth and straightforward as possible for my clients. I have built a reputation for honesty, transparency, and integrity. I am committed to upholding the highest ethical standards in all of my interactions with clients and industry partners. Overall, I am passionate about helping people achieve their dreams of homeownership, and I look forward to continuing to serve the community as a trusted mortgage loan officer.
Phone: (512) 806-8160
NMLS#: 2180005
License: AR, CA, CO, FL, GA, IL, KS, NC, NJ, NM, TX, VA, WA
Spoken Language: English, Mandarin Chinese
Why are our rates so low?
- 1. We shop dozens of the top lenders in real time to find you the best rate.
- 2. Loan Factory was the #1 Mortgage Broker in the US in 2021 & 2022. Because of this volume, we can negotiate ridiculously great rates with lenders.
- 3. Our profit per loan is much lower than others. I know that if I give you an amazing rate, term, and service you will share your experience with others.
Our Accomplishments
29977+
Customers
$12.1+
Billion in Closed Loans
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
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.
Rudy 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 Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael 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. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
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.