Terms of use.

By using ilendloans.com you agree to these terms. The site is operated for Ryan Chen, NMLS #2888518. Mortgage loans are arranged through Loan Factory, Inc., NMLS #320841, 2195 Tully Road, San Jose, CA 95122.

No offer of credit

Nothing on this site is a commitment to lend, a pre-approval, a rate lock, or a guarantee of any payment. Loan programs, rates, points, mortgage insurance, and fees depend on a completed application, credit, property, occupancy, and underwriting.

Licensing

A loan can be originated only in states where Ryan Chen and Loan Factory, Inc. hold the required licenses. Confirm the current record on NMLS Consumer Access before you rely on it.

Calculators

The payment calculator multiplies the numbers you type. It leaves out costs that a real loan may include. Do not use it as a Loan Estimate.

Your information

You agree that the details you submit are yours to share and are accurate to the best of your knowledge. Consent to a call or text is optional, and the form will not continue without it if you want Ryan to contact you.

Equal housing

Loan Factory, Inc. and its loan officers support Equal Housing Opportunity.