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Opening Time

Mon - Fri 09:00 - 18:00
Sat 09:00 - 14:00

Brandon Howland

Brandon Howland

Loan Officer

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.



About Me: I live in Lake Stevens with my wife Andrea and our 5 kids (ages 15, 12, 7, 7 and 5). WOW! My wife and kids are my absolute treasures this side of heaven. I have coached my kids in soccer, basketball and baseball.  I also serve full time as the Lead Pastor of a church in Everett, WA.

Past Jobs: I am Air Force veteran, served as a police officer in WA State and have been involved in volunteer or paid pastoral ministry since 2004. I love being a mortgage broker that people can trust!

Hobbies: When I am not driving my kids all over town, I enjoy date nights, house projects, and yard work. I enjoy puzzles, sudoku, rubiks cubes and more!

My Purpose: To serve others by giving them more value than what I receive in return.  To coach others to make the right financial decisions right now and for years to come.


Phone: (425) 367-7745

NMLS#: 1899954

License: ID, TX, WA, FL, TN

Spoken Language: English

My reviews on Google

Brandon is an incredible lender! I highly recommend working with him for all of your lending needs!
Highly recommend working with Brandon. He helped us so much during the home loan process. It felt stress free and Brandon kept us on task. Brandon is very organized, timely, kind, communicative and always made himself available to talk, text and email, including nights and weekends. We really enjoyed our experience and can't thank him enough!
We used Brandon as our home loan officer last year. We offered on more homes than I can count, and Brandon was there for us every step of the way. He was awesome to work with, was quick to answer questions, and had great insight to offer. Our realtor commented on how wonderful he was to work with and now also recommends him to her other clients.

Mortgage Rates

Why are our rates so low?

  • 1. We shop dozens of the top lenders in real time to find you the best rate.
  • 2. Loan Factory was the #1 Mortgage Broker in the US in 2021 & 2022. Because of this volume, we can negotiate ridiculously great rates with lenders.
  • 3. Our profit per loan is much lower than others. I know that if I give you an amazing rate, term, and service you will share your experience with others.

Our Accomplishments



$11.8+ billion

In Closed Loans


Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

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.

Re-finance Low Rate

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.

Re-finance Cash Out

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.

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.

Contact us today

Your home is one call away. We will get back to you immediately.


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