About me
Buying or refinancing a home doesn’t have to feel confusing, stressful, or expensive and working with the right loan partner can make all the difference.
I’m Phi Tran, a mortgage broker with Loan Factory, where I help homebuyers, homeowners, and real estate investors secure the most competitive loan options available by combining personalized guidance with AI-powered technology.
Why Clients Choose to Work With Me
✔ 229+ Lenders Compared in Real Time
Instead of pushing one bank’s products, I shop rates across over 229 lenders to find the best fit for your goals and not just the easiest approval.
✔ AI-Driven, Fast, and Transparent Process
Loan Factory’s digital platform makes applying for a mortgage as simple as ordering an Uber for faster approvals, fewer errors, and clear communication every step of the way.
✔ Solutions for Almost Any Scenario
From first-time buyers to seasoned investors, I specialize in:
Conventional, FHA, VA, and Jumbo loans
100% FHA Down Payment Assistance programs
DSCR loans for rental and investment properties
Bank Statement, 1099, and P&L loans for self-employed borrowers
Fix-and-Flip and portfolio financing
Refinance strategies to lower payments or access equity
