Terms of Use

An inquiry, not an application

This page is an information request and a preliminary inquiry. It is not a mortgage application. Completing the quiz is not an approval, preapproval, offer of credit, or commitment to lend.

No commitment to lend

This is not a commitment to lend. All loans are subject to credit approval, underwriting, and program guidelines. Not all applicants will qualify. Rates, terms, and programs are subject to change without notice.

Loan programs, rates, terms, eligibility, and approval are subject to verification, underwriting, and program guidelines, and may change without notice.

VA program information

VA loan eligibility is determined under applicable U.S. Department of Veterans Affairs requirements. Eligible borrowers may qualify for VA financing with as little as $0 down. This site is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.

Contact and electronic records

By submitting the form you agree that we may communicate with you electronically, including by email and text message, and that electronic records and disclosures may satisfy any requirement that such communications be in writing. Your contact permissions are governed by the consent statement you check on the form; nothing here expands it. Consent to marketing communications is not a condition of applying for or obtaining credit, and you may reply STOP to opt out of text messages.

Licensing

Juan G Garcia, Mortgage Loan Officer, NMLS #2754284, is licensed in Texas and works with Loan Factory, Inc., NMLS #320841, a mortgage broker and not a direct lender. See the loan officer profile, verify licensing through NMLS Consumer Access, and review the Texas disclosures.

Privacy

Information you submit is handled as described in our Privacy Policy.