Mortgages
Made Simple

MFS has partnered with Loan Factory to give our clients access to a full-service mortgage platform — 229 lenders compared in real time, competitive rates negotiated on your behalf, and a streamlined application designed for busy professionals.

Start My Application Get Rate Alerts

Your MFS Mortgage Partner

Loan Officer Justin Boodram · Loan Factory

NMLS License #2467302 (Individual)
Company NMLS #320841

Platform 229 lenders searched &
negotiated simultaneously

Why We're Different

Why are our rates so low?

229

We Shop 229 Lenders

Instead of sending your application to one lender, Loan Factory simultaneously compares 229 competing lenders — wholesale banks, credit unions, and institutional investors — to find the best available rate for your profile.

We Negotiate

Shopping alone isn't enough. Our loan officers actively negotiate with lenders on your behalf — pushing for lower points, better terms, and reduced fees that most borrowers never think to ask for and most brokers never pursue.

We Make Less

Loan Factory's model is built around volume, not margin. Lower originator compensation means lower rates passed directly to you — not pocketed as broker profit. Full rate transparency, always.

229 Lenders in our platform

Our network spans wholesale banks, credit unions, and institutional lenders — all searched in real time so you receive the lowest available rate, not just the one your bank happens to offer.

Loan Options — via Loan Factory

Every loan type,
one platform.

Buy a Home Conventional Loan Standard purchase financing with competitive fixed or adjustable rates. Apply Adjustable-Rate Mortgage (ARM) Lower intro rate — ideal if you plan to move or refinance within a few years. Apply HomeReady® & Home Possible® Down payments as low as 3% with flexible income and credit requirements. Apply Jumbo Loan Finance high-value properties above standard conforming loan limits. Apply FHA Loan 3.5% down payment, flexible credit requirements, government-backed. Apply VA Loan $0 down for eligible veterans and service members. No PMI required. Apply USDA Loan No down payment for eligible rural and suburban buyers. Apply Bank Statement Loans Qualify using 12–24 months of bank deposits — ideal for self-employed borrowers. Apply DSCR Loans Investment property approval based on rental income, not personal W-2s. Apply Asset-Qualifier Loans Use savings, investments, or retirement accounts to qualify instead of income. Apply Foreign National Loans U.S. property purchase for non-citizens without U.S. credit history. Apply

Refinance Rate-and-Term Refinance Lower your rate, shorten your term, or switch from ARM to fixed. Apply Cash-Out Refinance Access your home equity for debt consolidation, improvements, or major expenses. Apply FHA Streamline Refinance Minimal paperwork, often no appraisal. For existing FHA loan holders only. Apply VA IRRRL Fast refinance for current VA loan holders — usually no appraisal required. Apply USDA Streamlined Assist No appraisal or credit review — must show at least $50/month in savings. Apply Bank Statement Refinance Qualify using bank deposits — no W-2 income needed for self-employed borrowers. Apply DSCR Refinance Investor refinance based on rental property income, not personal income documents. Apply Asset-Qualifier Refinance Use assets as proof of repayment ability in place of traditional income documents. Apply HELOC Flexible credit line backed by home equity — borrow as needed, when needed. Apply Reverse Mortgage (HECM) For homeowners 62+. Convert equity into cash with no monthly payments required. Apply

Get Started Today

Two ways to take action now.

Get Started Now

Start My
Application

Complete your mortgage application online in minutes. We search 229 lenders to find the best rate for your purchase, refinance, or investment property.

Apply Now Stay Informed

Mortgage
Rate Alert

Set your target rate and loan parameters. We'll notify you the moment the market hits your number so you never miss the right time to lock in.

Set My Alert

Mortgage services provided through Loan Factory, Inc. (Company NMLS #320841). Loan Officer: Justin Boodram (NMLS #2467302). McGregor Financial Services acts as a referral partner and does not originate, underwrite, or service mortgage loans. Licensing information available at nmlsconsumeraccess.org. Lender names shown for illustrative purposes; availability varies by state and loan type. Rates and terms subject to change without notice.

MortgagesMade Simple