Ram Mishra
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:
With over 15 yrs of experience with real estate and financial services, my goal is to provide you with the best real estate, mortgage & financial solutions possible. Whether you are a 1st time home buyer, buying your 2nd home, investment property or refinancing, thinking about investing in real estate or a business, my team and I are here to help you through one of the most significant decisions of your life.
- Home Buyers - we have many DPA programs to help you achieve your dream of homeownership.
- Click on Resources to see if you qualify for a HomeReady First Program which provides a grant of $6,500 down payment/closing cost assistance, $500 credit toward the cost of an appraisal, $500 credit toward the cost of a home warranty OR our One+ Program where you an Buy a Home with 1% Down.
- Real Estate Investors - We have a number of financing options whether you need hard money, DSCR or Commercial Loans.
- Homeowners - Need to Refinance to Lower Your Rate, or Get Cash Out, use the MORTGAGE QUOTES ENGINE ABOVE to check rates and we can provide you with daily, weekly, or monthly mortgage rate alerts to your inbox.
- To apply for a HELOC or HELOAN, click on Resources, Heloc Application
Phone: (616) 780-5803
NMLS#: 231417
License: IL, MI, PA
Spoken Language: English
My reviews on Google
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 218 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
218+
Number of Lenders
9556+
1533+
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.