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Opening Time

Mon - Fri 09:00 - 18:00
Sat 09:00 - 14:00

Abby Montenegro

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.  

Ensuring harmonious relationships with all parties to a transaction, and supporting timelines and protocol are critically important precepts - obtaining the lowest possible payment for the borrower matters, but procedural ease is also of underestimated significance!

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

express

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.

CONTACT US NOW

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