Loan Factory

THE LOAN ESTIMATE CHALLENGE

Good offer?
Let’s see how it stacks up.

Bring your Loan Estimate. Enrique will check whether he can improve the rate, costs, or fit—and explain the tradeoffs.

No obligationNo credit pull for this reviewA real person compares it
Enrique Pelayo Jr
Enrique Pelayo Jr, AMPLoan Factory · NMLS 131435Meet your mortgage professional

The goal is a more informed decision. There is no guaranteed savings or promise to beat every offer. This review does not lock a rate or approve a loan.

Round 1 of 3
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  1. Bring your offer
  2. Choose your goal
  3. Send to Enrique

First, bring your offer.

A Loan Estimate usually has three pages. Upload them together as one PDF, up to 10 MB.

You may redact account numbers or other details you do not want reviewed. Keep the loan terms and cost pages readable. Don’t upload tax returns, bank statements, identification, or Social Security numbers here.

Don’t have a Loan Estimate? Let’s talk.

Know what you’re comparing.

A lower rate may come with higher upfront costs. Enrique will consider both and explain whether an alternative fits your goals. Rates, lock periods, lender requirements, and market conditions can change the comparison.

Compare two fixed-rate offers yourself →

Explore the CFPB’s Loan Estimate guide

Text Enrique