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Opening Time

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

Tho Phan

Tho Phan

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 your trusted loan officer, I am committed to going above and beyond to exceed your expectations and help you achieve your homeownership goals. Let's work together to turn your homeownership dreams into reality!


NMLS#: 2361608

License: FL, TX

Spoken Language: English, Vietnamese

My reviews on Google

(Translated by Google) I would like to send my compliments to Ms. Tho NMLS:#2361608 Loan Factory's staff were very dedicated and did a good job in collecting the necessary information for my loan process. Ms. Tho worked quickly, politely and professionally. However, I also noticed a few points that the company needs to improve. Some personal information and loan information of customers such as loan amount, etc. seem to be not fully secured (home insurance company DOES NOT need to know and DOES NOT have the right to request the amount you will cash-out when borrowing. They only need to know the new lender to write it into the policy.) Besides, my legitimate questions were not answered clearly and satisfactorily. (from Mr. Sam Phuoc Luong MMLS#320841) I hope that Loan Factory will review and further improve the issue of information security as well as the quality of customer support. This will help customers feel more secure and confident when using the company's services. Thank you very much. I would like to extend my compliments to Mrs.Tho, NMLS #2361608, an employee of Loan Factory, for her dedication and excellent work in gathering the necessary information for my loan process. Mrs.Tho works efficiently, courteously, and professionally. However, I have also noticed a few areas where the company could improve. Some personal and loan-related information—such as loan amounts—does not appear to be fully protected. For example, a homeowners insurance company does not need to know and does not have the right to request the amount you will cash out when refinancing. They only need to know the new lender to update the policy. In addition, my reasonable questions were not answered clearly or adequately by Mr. Sam Phuoc Luong, NMLS #320841. I hope that Loan Factory will review and further improve its information security practices as well as the quality of customer support. Doing so will help customers feel more secure and confident when using the company's services. Thank you sincerely. Rudy Do. (Original) Tôi xin gửi lời khen đến cô Thơ NMLS:#2361608 nhân viên của công ty Loan Factory đã rất tận tình và làm tốt trong việc thu thập các thông tin cần thiết cho quá trình vay vốn của tôi. Cô Thơ làm việc nhanh nhẹn, lịch sự và chuyên nghiệp. Tuy nhiên, tôi cũng nhận thấy một vài điểm công ty cần cải thiện. Một số thông tin cá nhân và thông tin khoản vay của khách hàng như số tiền vay nợ, v.v. dường như chưa được bảo mật một cách đầy đủ (công ty bảo hiểm nhà KHÔNG cần biết và KHÔNG có quyền yêu cầu số tiền bạn sẽ cash-out khi vay vốn. Họ chỉ cần biết lender mới để ghi vào policy. ) Bên cạnh đó, những thắc mắc chính đáng của tôi lại không được giải đáp rõ ràng và thỏa đáng.( từ Mr. Sam Phuoc Luong MMLS#320841) Tôi hy vọng công ty Loan Factory sẽ xem xét và nâng cao hơn nữa vấn đề bảo mật thông tin cũng như chất lượng hỗ trợ khách hàng. Điều này sẽ giúp khách hàng cảm thấy yên tâm và tin tưởng hơn khi sử dụng dịch vụ của công ty. Chân thành cám ơn. I would like to extend my compliments to Mrs.Tho, NMLS #2361608, an employee of Loan Factory, for her dedication and excellent work in gathering the necessary information for my loan process. Mrs.Tho works efficiently, courteously, and professionally. However, I have also noticed a few areas where the company could improve. Some personal and loan-related information—such as loan amounts—does not appear to be fully protected. For example, a homeowners insurance company does not need to know and does not have the right to request the amount you will cash out when refinancing. They only need to know the new lender to update the policy. In addition, my reasonable questions were not answered clearly or adequately by Mr. Sam Phuoc Luong, NMLS #320841. I hope that Loan Factory will review and further improve its information security practices as well as the quality of customer support. Doing so will help customers feel more secure and confident when using the company’s services. Thank you sincerely. Rudy Do.
Miss Tho is very helpful! She always assists us with any concerns or questions we have. Highly recommended!

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 239 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

239+

Number of Lenders

15248+



(Avg. 5.0) Google Reviews

2310+

Loan officers

48

Licensed states

express

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

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