Nick NagyLoan Factory, Inc. Talk to Nick
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Nick Nagy · Contact

Text or Call Nick Nagy at Loan Factory, Inc. Directly

One number, one person answering. No form that disappears into a queue.

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The straight answer

In one paragraph

Text or call Nick Nagy at 916-805-1933. You can also start at the California Mortgage Answer Desk, nickfunds.com, to run your own numbers first. Loan Factory, Inc.’s office sits at 2195 Tully Rd, San Jose, CA 95122. There is no call center and no automated menu on either path.

In my own words

I answer my own phone and my own texts. If you would rather look at numbers first and talk second, start at nickfunds.com. Either way, you reach a person, not a queue. A short text with a real question gets a real answer back, usually the same day. There is no gatekeeper between you and the person actually working your file.

Who this page is for

This page is for anyone ready to reach Nick Nagy directly, by phone, by text, or by running their own numbers first. That includes a buyer with a quick question and a realtor with a client ready to move today, plus anyone who just wants to confirm the current number before saving it. Nothing here requires filling out a form first, and no call center stands between you and him.

The fact this page stands on
Loan Factory, Inc. is headquartered at 2195 Tully Rd, San Jose, CA 95122.
Source
CA DRE public brokerage record, License ID 01771313, read September 6, 2026.
Last verified
September 6, 2026
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Nick Nagy, mortgage broker and loan officer at Loan Factory
Nick Nagy NMLS #314880 · CA DRE #01444600 · Loan Factory, Inc. · 23 years About Nick · Licences, verified at source · Text 916-805-1933

Part of the Nick Nagy pages on go.homeaccesslist.com, and of the California Mortgage Answer Desk.

How it works

How to reach him

Text or call 916-805-1933. That line reaches Nick Nagy directly, under Loan Factory, Inc.

There is no separate call center number and no automated menu on this line.

A text works just as well as a call for a first question. Send what you are trying to figure out, and the reply comes from him, not a script.

The number changes rarely, and this page updates the moment it does, so a saved contact stays accurate.

The detail that matters

The California Mortgage Answer Desk

nickfunds.com hosts the California Mortgage Answer Desk, where a reader can run their own numbers on a purchase or a refinance before ever calling.

That tool exists for someone who wants to look at the shape of a deal privately first, then decide whether to reach out.

Running the numbers first does not obligate anyone to call afterward. It is there to answer the first question before the conversation even starts.

How it works

The Loan Factory, Inc. office

Loan Factory, Inc. is headquartered at 2195 Tully Rd, San Jose, CA 95122, per the CA DRE public brokerage record for license 01771313.

Nick Nagy’s own work is concentrated in Southern California, so most contact happens by phone, text, or the Answer Desk rather than in person at that address.

The office address exists mainly for the public record and for compliance purposes, not as a walk-in location for buyers in Southern California.

The detail that matters

Why one point of contact

Nick Nagy stays on a file from the first text through closing. A buyer does not get handed between several different people who do not know the full history of the file.

That matters most when a question comes up midway through a purchase and needs a fast answer from someone who already knows the file.

A realtor working with a client also benefits from this, since one contact means one consistent answer instead of conflicting updates from different people.

How it works

What to have ready when you reach out

A short description of what you are trying to do helps the most: buying, selling, refinancing, or checking whether a file will qualify at all.

None of this needs to be perfect or complete before the first text. A rough outline is enough to start the conversation.

The detail that matters

What happens after you reach out

A first text or call usually starts with a few quick questions about the property, the income, and the timeline, before anything gets formal.

From there, Nick Nagy will say plainly whether a file looks like a fit, what documents come next, and who else at Loan Factory, Inc. gets involved on the processing side.

Nothing about that first conversation locks anyone into anything. It is meant to answer the question you actually reached out with.

Text Nick right now 237 lenders, one file, no second application.
What that looks like

Three situations this page answers

A buyer with a quick qualifying question

A buyer wants a quick read on whether a file even qualifies before spending a weekend house hunting. A text to 916-805-1933 starts that conversation.

A realtor with a client ready to move

A realtor has a client ready to talk financing today. A direct call reaches Nick Nagy without going through a call center first.

Someone who wants to look at numbers alone first

A reader wants to run their own numbers privately before talking to anyone. The California Mortgage Answer Desk at nickfunds.com is built for exactly that.

None of these is a promise about your file. They are shapes. The number on your own file comes from running it, which is the point of the form on this page.

Where it goes wrong

The mistakes, and none of them is the buyer

More about Nick

The rest of the Nick Nagy pages

Every question on the desk sits at the California Mortgage Answer Desk. Run your own numbers at nickfunds.com.
Nick Nagy, mortgage loan originator, Loan Factory, Inc.
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 get 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.

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.

20,907+Loan Factory Google reviews
5.0Loan Factory average rating
237Lenders available through Loan Factory
48States Loan Factory is licensed in

A retail bank has one guideline book. 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

The follow-on questions, answered in the order they get asked.

How do I contact Nick Nagy?

Text or call Nick Nagy directly at 916-805-1933. You can also start at the California Mortgage Answer Desk, nickfunds.com.

What is Nick Nagy’s phone number?

Nick Nagy can be reached at 916-805-1933 by text or call.

What is Loan Factory, Inc.’s phone number?

Reach Nick Nagy directly at 916-805-1933. Loan Factory, Inc.’s office address is 2195 Tully Rd, San Jose, CA 95122.

Can I run my own numbers before calling?

Yes. The California Mortgage Answer Desk at nickfunds.com lets you run your own numbers first.

Ask a question that is not on this page
The person, not a call center

Talk to Nick Nagy directly

Text 916-805-1933, or send the situation through the form below. I read every one myself.

Mortgage loan originator, NMLS 314880, and licensed real estate salesperson, CA DRE 01444600, both under Loan Factory, Inc. 20,907+ Google reviews · 5.0 average · 237 lenders, the company's own published figures.

Text Nick at 916-805-1933 Or use the form below. No credit pull to start.
Your own file

Ask Nick directly, not a call center

Tell me the situation in plain English. If your file changes anything on this page, I will run it on your actual numbers. Private, no obligation, and nothing is published or shared.

    What happens after you send it
  1. You send the situation. Your question, a number to reach you, and one line about where you are. No credit pull, no documents, nothing published.
  2. Nick reads it himself. Your file goes against the programs that apply, shopped across 237 lenders through Loan Factory, not one bank's guideline book.
  3. You get the number and keep it. A straight answer on what your file supports and what it does not. If waiting is the better move, that is the answer you get, and the numbers are yours either way.
Where are you right now?

No credit pull to start · No obligation · The written answer is yours to keep

Related
The California Mortgage Answer DeskRun your own numbers at nickfunds.comSee how the system worksNick Nagy: the hub pageAboutLicensing and credentialsLoan Factory, Inc.ReviewsQuestions people askFor realtor partnersCalifornia mortgage brokerSouthern CaliforniaFHA loansFirst-time home buyersDown payment assistanceSelf-employed mortgagesFast pre-approval5 percent down on a 2-4 unit homeAB 1033 ADU condo financingSB 9 lot split financingShort-term rental DSCR loansAsset depletion mortgagesADU financingAssumable mortgage gap financing
Nick Nagy’s CA DRE public record www2.dre.ca.gov/publicasp/pplinfo.asp?License_id=01444600