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Abby Montenegro
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
I am a senior loan officer, long seasoned in the mortgage industry since 2006. A starting background in Operations and Pre-Underwriting has brought about a unique ability to see any loan through with efficacy from start-to-finish.
With a ranking presence in Scotsman Guide in 2020 and 2021, and an atypically high funding conversion ratio, I have numbers that reflect my experience and ability to close loans with ease, but what is most important for me to convey is that the relationship with every applicant is a lifetime one!
I don't turn anyone away, and I frequently help those that have had doors closed to them by many others. With access to virtually any product in the marketplace, and an extremely well-versed understanding of underwriting guidelines and exceptions, and lender matrices and overlays, even the most unique qualifications can find a route to funding successfully.
The borrower's benefit is key! That is the only interest here to serve. There is no need for pushing or selling - whether it's in taking the time to give guidance towards credit health, or helping along the path to asset wealth, there is no race for time here, other than how it meets each individual consumer's needs and wants.
Amidst life's developments and within an ever-changing market, I remain present and approachable to all.
Phone: (714) 720-8646
NMLS#: 1085221
License: AL, CA, IL, NV, OH, OR, VA, WA
Spoken Language: English
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 226 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so 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.
OUR ACCOMPLISHMENTS
226+
Number of Lenders
10170+
1679+

Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer

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.

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.