Welcome to 2023. I’d like start-off by congratulating Abby for closing our first loan of the year! The first of many for her and for HomeFactor Financial. We all know that mortgage is cyclical, but it is also incredibly seasonal. The chart below shows just how much...

"The inability to envision a certain kind of person doing a certain kind of thing because you've never seen someone who looks like him do it before is not just a vice. It's a luxury. What begins as a failure of the imagination ends as a market inefficiency: when you...

At Home Factor, we are proud to be a mortgage broker. Why? Because the decision between being a “lender” and a “broker” should come down to one question: which one serves customers best? Anyone taking the time to assess the trends in mortgage lending will come to the...