Lower Your Monthly Payment or Unlock Your Home’s Equity Today
Refinance or get a Home Equity Line of Credit tailored to your needs.
Lower your interest rate & monthly payment
Access cash for renovations, debt payoff, or investments
Flexible HELOC options with low starting rates
Fast approvals – Licensed in KY, TN, IN, PA, TX, FL, MI
Refinance VS Heloc
- Replace existing mortgage
- Lower monthly payments
- Lock in long-term stability
- Flexible line of credit
- Borrow only what you need
- Great for renovations & debt consolidation
About / Trust Section
Why Work With Joe Geffert & Loan Factory
- Military Veteran & Disabled Veteran Owned
- 20+ years lending + underwriting experience
- Access to multiple lenders = best rates
- Trusted Loan Officer with Loan Factory
