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Opening Time

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

Xiaolan Zhu

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 RATES FOR EVERY LOAN: We compare rates from 183 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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