With over 37 years of mortgage lending experience and having helped more than 2,500 families achieve homeownership, Frank Garay is a trusted and seasoned mortgage professional who knows how to get deals done. A U.S. Navy veteran, Frank brings discipline, integrity, and a genuine commitment to service in every client interaction.

Frank is nationally recognized as a thought leader in the mortgage space, having co-founded The National Real Estate Post and hosted multiple industry podcasts, including the popular Loan Officer Breakfast Club. His influence has led to multiple guest appearances on Fox News as a mortgage and real estate expert, where he’s been called on to provide clarity and insight during times of market uncertainty.

Now with Loan Factory, a California-based mortgage broker known for its low price guarantee, Frank is proud to offer clients not only competitive rates and fees, but also exceptional personal service, clear communication, and expert guidance from application to closing.

Whether you're a first-time homebuyer, moving up, refinancing, or exploring VA or investor financing, Frank makes the process smooth, transparent, and even enjoyable. When you work with Frank, you're not just getting a loan—you’re gaining a committed partner in your homeownership journey.