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Chris Carter

Loan Officer

Bio:

Hey, I’m Chris. I’m a normal every day guy, married to my best friend, with 3 amazing kids, the best dog on planet earth, and an addiction to pickleball!

In my 22 years as a Loan Officer, I’ve learned that Real Estate is one of the best vehicles to help create financial freedom, and I believe that everyone should have the opportunity to own a home.

I strive to give my clients the best home loan experience possible, and work hard to make sure I deliver on that. My 5⭐ ratings back that up. 

You’ll simply have no need to go anywhere else for a home loan. Your home financing goals are my goals, and I look forward to meeting you during our journeys!



Phone: (916) 616-0020

NMLS#: 619947

License states: California

Spoken Language: English

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My video

My reviews on Google

Attention to detail. Great communication throughout. Chris was super helpful explaining everything during our first home purchase. Would highly recommend
Chris is the best in the business. He is just an awesome person all the way around. He is extremely professional and always honest. He Cares! Will definitely use him again and recommend his experience to everyone.

My reviews on Zillow

There were no surprises when it came time to close. Everything was exactly how Chris said it would be. He answered all my (many) questions in a timely manner and was very polite through it all.
It had literally been years since we had gone through a re-finance process, and the laws and rules had undergone a lot of changes. It was refreshing that Chris took a personal, yet business like, interest in helping proceed through the requirements and steps to successfully acquire a new loan on our home. His knoweledge and skills at negotiating the ins and outs of his lending agency allowed us to secure a new loan, at a significantly lower rate, which allowed us to pay off student loans which could have gone on for years. Because of Chris' business ability in the loan market, we have a much better cash flow situation at home, and can plan on doing other 'things' towards planning for our retirements. Put succintly, " Chris can".
Chris made our first time home buying process so fluid! He recommended our amazing realtor and stayed in contact with us throughout the entire process. He answered e-mails and phone calls promptly and always directly addressed our questions. He always had our best interest in mind. We will definitely work with him again for our mortgage needs! Highly recommend!

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 174 lenders in real-time for you.
  • 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed 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

174+

Number of Lenders

What makes us different?

Lenders

  • Provide customized, real-time rate quotes
  • Immediate notification of any market rate movements
  • Comprehensive rate comparisons across all lenders

Other brokers

  • Provide customized, real-time rate quotes
  • Immediate notification of any market rate movements
  • Comprehensive rate comparisons across all lenders
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