Mortgage decisions are easier when you can see the numbers.
Gary Braxton · California Mortgage Loan Officer ·
NMLS #2488137 · Loan Factory, Inc.
Serving Fallbrook, North San Diego County, and Southwest Riverside County.
A mortgage is a math problem before it's a sales conversation.
Gary Braxton, California Mortgage Loan Officer
Most mortgage advertising asks you to decide first and look at the numbers later. I work the other way around. Send me the basics of your current loan — or the purchase you're considering — and I'll build the comparison: what you have now, what's actually available to you, and what the difference costs or saves over time. Not just the monthly payment. The break-even point, the total interest, what happens to your payoff date, and what the closing costs actually do to the math. Then you decide. If the numbers say stay put, I'll tell you that.
Start with the question you actually have.
Most people don't arrive knowing which loan product they need. They arrive with a situation. Here's where a few of the common ones lead.
I bought or refinanced when rates were high. Should I do anything yet?
Rates have moved since 2022–2024. That doesn't automatically mean refinancing helps you. Let's run your numbers and find where your break-even actually falls.
I have a quote from another lender. Is it any good?
Send me the Loan Estimate. I'll walk you through what to compare beyond the headline rate — points, credits, origination charges, and cash to close. If it's competitive, I'll tell you.
My income is
complicated.
Self-employment, 1099, commission, or multiple entities. Documentation-flexible programs exist, including bank statement options. Whether one fits depends on your situation.
I'm buying a home and need to know what I qualify for.
Preapproval works better as real analysis than as a form letter. Let's figure out your actual range and what it costs at different structures.
I'm financing an investment property.
Investor financing is evaluated differently — often on the property's own income rather than yours. Worth understanding the structure before you make an offer.
My loan amount is
above conforming limits.
Southern California values push many borrowers into jumbo territory, and jumbo pricing varies meaningfully between lenders. That's exactly where comparison pays.
How this works:
Me, and the platform behind me.
I'm a California-licensed Mortgage Loan Officer with Loan Factory, Inc. (Company NMLS #320841). You work with me directly — I'm the person who runs your numbers, answers your calls, and manages your file. Loan Factory is the brokerage and lending infrastructure behind that work: the secure application system, the compliance framework, and access to a broad wholesale lender network.
That network is the reason comparison is possible. Rather than presenting you with one institution's single answer, I can look across many lenders' pricing and programs to see which structure actually fits your situation.
Want me to take a look?
Send me what you've got and I'll build the comparison. No cost, no obligation, and no one from my office will chase you.
(858) 216-2802