Trina Hart Nichols
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'm a proud wife, mother, and 20-year veteran mortgage broker. In our home, my husband and I have raised children, hosted Thanksgiving feasts, celebrated graduations and birthdays and sometimes for no reason at all. Our home is much more to us than just brick and mortar and wood, and keeping it secure and affordable as an asset is something I take quite seriously.
While these things matter, the right mortgage properly secures an asset that will serve your needs now and in the future. It can help provide for his college, her wedding, your retirement. It can be a secure place to grow equity into a legacy that can remain after we’ve gone, or it can be an investment in a bigger and brighter future. Together, we'll think strategically to create a savvy plan to reach your goals.
I take your mortgage seriously., because I take my mortgage seriously.
I listen. I ask questions. I solve problems which banks and other brokers may not have the experience, time, or attention to solve. I have access to hundreds of programs among scores of lenders, and I possess deep experience in finding the right fit whether your employment, income, property, or credit situation is simple or complex.
I’m lucky and grateful to have all my new clients come from my previous clients. This allows me to run my business with focus and intent on doing right by my clients; without the big advertising and lead expenses other lenders have. Short version: I keep margins low and am more than simply “competitive”, economically speaking.
I set out every day to be the mortgage professional I would insist upon if I were in your shoes.
Phone: (314) 789-8907
NMLS#: 553927
License: IL
Spoken Language: English
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 228 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
228+
Number of Lenders
10170+
1678+

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.