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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.


I am Scott Bayhouse, a seasoned professional with over two decades of experience in the mortgage industry. My career has spanned a variety of roles, from Loan Processor to Mobile Notary, culminating in my current position as a Mortgage Loan Originator for the past six years. I help my clients build wealth through homeownership, all while providing a transparent and well communicated mortgage experience. The pinnacle of my work is assisting homebuyers to confidently secure their initial property with the most advantageous financial terms. Beyond my professional life, I am an avid enthusiast of emerging technologies, enjoy maintaining an active lifestyle, and cherish quality moments with my family and friends. I am readily accessible for consultation via text, email, or phone call at your convenience.

Phone: (408) 398-1225

NMLS#: 1603309

License: CA


Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 183 lenders in real-time for you.
  • 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed 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.



Number of Lenders


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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