Christina Bús
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
Buying or refinancing a home shouldn’t feel overwhelming, rushed, or confusing.
From the Sound to the South, I help people make confident mortgage decisions by focusing on what actually matters: your lifestyle, your goals, and the way you want to live it. I work with buyers, homeowners, investors, and business owners to match them with loan options that fit real life — not one-size-fits-all solutions. From purchasing and lowering payments to accessing equity or investing — even after being told “no” by a bank — there’s almost always a smarter path forward. No matter where you are in your journey — my approach stays the same: clear guidance, flexible strategies, and honest conversations. This isn’t about geography — it’s about how you live.
Your lifestyle, priorities, and long-term goals should guide how you borrow.
Your home. Your loan. Your way.
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First-time buyers:
Between FHA loans, down-payment assistance, seller credits, and smart negotiations, many buyers get in with way less out of pocket than they expect. If you think buying is years away, let’s talk first — you might be closer than you think.
VA loans & VA IRRRL refinances:
These are some of the best loans out there, period. I work with multiple VA lenders and very few overlays, which means more flexibility for veterans. Buying or refinancing? I’ll help you actually use the benefits you earned.
Reverse mortgages (for seniors):
These get such a bad reputation — and honestly, it’s undeserved. When done right, they’re some of the most protected loans available. They can eliminate monthly payments, create cash flow, and offer peace of mind. They’re underused, misunderstood, and incredibly powerful when explained properly.
NON-QM loans:
Self-employed? 1099? Multiple income streams? Write-offs that make your tax return look scary? NON-QM loans are designed for real life, not just perfect W-2s. Only a small percentage of lenders truly understand these — I do, and they open doors most people don’t realize exist.
Investor loans (DSCR):
Want to invest but don’t want to jump through hoops proving personal income? These loans qualify you based on the property’s cash flow — not your paycheck. If you’re thinking about building a real estate portfolio, this is often the easiest place to start.
HELOCs/HELOANS
Need access to your equity but don’t want to touch your low interest rate? A HELOC or HELOAN lets you tap into your home’s value without refinancing your first mortgage. Many close quickly and don’t even need an appraisal.
SBA loans (for business owners):
If you own a business and want to buy or refinance commercial property, expand, or improve cash flow, SBA loans can be a great option. I help business owners structure financing that supports growth instead of holding it back.
NMLS#: 118777
License: AL, WA
Spoken Language: English
My reviews on Google
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 239 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so 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
239+
Number of Lenders
20990+
(Avg. 5.0) Google Reviews
2616+
Loan officers
48
Licensed states
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
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.
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.
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.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
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.
Fast funding,
easy application.
Get your loan today!
Quick Loans, Anytime, Anywhere!
