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Opening Time

Mon - Fri 9:00am - 6:00pm
Sat 9:00am - 4:00pm

Scott Bayhouse

Scott Bayhouse

Loan Officer

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 six 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

NMLS#: 1603309

License: CA


Why are our rates so low?

  • 1. We shop dozens of the top lenders in real time to find you the best rate.
  • 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 others. I know that if I give you an amazing rate, term, and service you will share your experience with others.

Our Accomplishments




Billion 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

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

Your home is one call away. We will get back to you immediately.


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