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Opening Time

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

Chris Carter

Chris Carter

Loan Officer

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.


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) 794-8042

NMLS#: 619947

License: CA

Spoken Language: English

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 184 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.



Number of Lenders


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.


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