California mortgage answers · NMLS 314880

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23 years in California lending · 237 lenders available through Loan Factory · No credit pull to start · No obligation

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Who answers

Nick Nagy

23 years in California lending · NMLS 314880 · CA DRE 01444600 · Loan Factory, Inc.

Dual licensed, so the loan side and the real estate side of a move are looked at as one problem instead of two. Most of what goes wrong in a move is a timing problem wearing a financing costume, and it is cheaper to catch it before you write an offer than after.

You get a straight answer on what your file supports and what it does not. When the answer is that waiting three months is the better move, that is the answer you get.

Financing is placed through Loan Factory, Inc. Real estate work is under CA DRE 01444600. More about Nick.

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The desk behind the file

One file, 237 lenders competing for it, and a broker who has done this for 23 years.

Loan Factory, Inc. is the brokerage. These are its published figures.

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A retail bank has one guideline book. When your file does not fit it, the answer is no and the reason is rarely explained. A broker shops the same file across the shelf and finds the lender whose box it already fits.

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Straight answers

Questions people here actually ask

How the desk works, in four answers.

Who is answering these questions?

Nick Nagy, a mortgage broker with 23 years in California lending, NMLS 314880 and CA DRE 01444600, placing files through Loan Factory, Inc. across 237 lenders. Dual licensed, so the loan side and the real estate side of a move are handled as one problem instead of two.

Where do the questions come from?

Public forum threads and question sites. Each one is reproduced in the words it was asked in, with a link to the original and the date it was captured, rather than being rewritten into a keyword phrase.

Are the numbers on these pages current?

Every local statistic is printed with its source and its date, so you can see how old it is and check it yourself. Market figures move, and a number without a date attached is not usable.

What does it cost to ask about my own situation?

Nothing, and there is no credit pull to start. You get the arithmetic on your own file and keep it either way, including when the honest answer is that waiting is the better move.

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What happens after you send it

You send the question. In your own words, with the property if there is one. About a minute, and no credit pull to start.
Nick reads it, not a call center. If an answer already exists here, you get the link. If your file changes it, he runs it on your actual numbers.
You get the arithmetic in writing. Yours to keep either way, including when the honest answer is that waiting is the better move.

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