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We offer low mortgage rates along with a convenient online loan application, all supported by an experienced team of dedicated personnel who are ready to serve you.
Bio: My name is Scott Bayhouse and I have been in the mortgage business for over 20 years. During that time I have been in various positions ranging from Loan Processor to Mobile Notary, and for the last five years I have been a Mortgage Loan Originator. I am very passionate about ensuring my clients are given the best interest rate, and I am also passionate about ensuring they receive the information they need to make an informed decision for themselves and their family. There is nothing more rewarding than knowing I was able to help a first time home buyer get into their first home with confidence, and with the lowest payment possible. Outside of work I enjoy spending time with my family and friends, reading up on new technology, exercising, and the occasional online video game. Please feel free to reach out to me anytime. I am available via text message, email, and phone.
Phone: (408) 398-1225
Why are our rates so low?
- 1. We work with dozens of the top wholesale lenders and shop their rates in real time, finding an amazing rate for you.
- 2. Loan Factory was the #1 Mortgage Broker in the US in 2021 & 2022. Because of this volume, we can negotiate ridiculously great rates with lenders.
- 3. Our profit per loan is much lower than banks. We know if we give you an amazing deal, you will send us lots of referrals.
In Closed Loans
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
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.