Jana Lozovanu, Loan Officer

Jana Lozovanu, Loan Officer Loan Officer NMLS # 2226979
Loan Factory, Inc NMLS # 320841 COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

The Views Expressed are my own and do not necessarily reflect those of American Loan Factory, Inc
Company ID # 320841
Company Name: Loan Factory, Inc. Company Main Address 2195 Tully Road San Jose, California 95122

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Finding your dream home starts with understanding the numbers behind it. Your real budget is about more than just the li...
09/22/2026

Finding your dream home starts with understanding the numbers behind it.

Your real budget is about more than just the listing price—it also includes taxes, insurance, and monthly debts. Exploring your financing options early helps you shop with confidence!

Thinking about buying? Send me a message and let's map out what works for you.

Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Every homeownership journey starts with a single step, and sometimes just knowing what to do next is the hardest part. W...
09/21/2026

Every homeownership journey starts with a single step, and sometimes just knowing what to do next is the hardest part.

Whether you are planning to buy now or down the road, I am here to help you navigate your financing options and find a clear path forward.

Send me a message or comment below to chat about your next move!

Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Houston Real Estate Update: What September Market Data Means for YouThe latest statistics from the Houston Association o...
09/20/2026

Houston Real Estate Update: What September Market Data Means for You

The latest statistics from the Houston Association of REALTORS® show our local housing market continuing to balance out—creating unique opportunities whether you're looking to buy, sell, or invest!

Here are the top takeaways from September data:

More Choices for Buyers: Inventory sits at a healthy 5.3-month supply with over 38,000 active listings across Greater Houston. Buyers have more time to inspect properties and evaluate options without feeling rushed.

Stable Home Pricing: The median single-family price held steady at $330,000. Combined with stabilizing interest rates, local affordability continues to stand out compared to national trends.

Strategic Seller Opportunities: Properties are averaging 54 days on the market. Sellers who offer creative financing incentives—like 2-1 interest rate buydowns or closing cost support—are standing out and closing deals faster!

Whether you’re purchasing your first home, planning to sell, or exploring Down Payment Assistance programs, having local guidance makes all the difference.

Send me a direct message or drop a comment below to look over customized financing scenarios for your goals!

Explore options & market tools: janalozovanu.com

Planning to buy a home soon? 🏠 Remember to hold off on any buy now, pay later purchases until after you close! Lenders d...
09/18/2026

Planning to buy a home soon? 🏠 Remember to hold off on any buy now, pay later purchases until after you close! Lenders do a final credit check before funding your loan, and even small changes can cause unexpected delays. Keep your finances steady until those keys are in your hand! 🔑

All loans subject to approval. Guidelines and requirements may vary based on borrower profile.

Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Want to help your buyers stand out in a competitive market? 🤝Fast pre-approvals, efficient loan processing, and clear co...
09/17/2026

Want to help your buyers stand out in a competitive market? 🤝

Fast pre-approvals, efficient loan processing, and clear communication make all the difference. Let's team up to help your clients move forward smoothly and close with confidence.

Send me a message today and let's connect! 📩

Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Shopping for a home starts with knowing your numbers! Getting pre-approved helps you understand your buying power, set a...
09/16/2026

Shopping for a home starts with knowing your numbers! Getting pre-approved helps you understand your buying power, set a realistic budget, and explore your loan options before you fall in love with a house. Best of all, it doesn't lock you into one lender.

Message me today to get started on your homebuying journey!

Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Dreaming of buying your first home or starting an investment portfolio? It might be closer than you think! 🏠From using e...
09/15/2026

Dreaming of buying your first home or starting an investment portfolio? It might be closer than you think! 🏠

From using eligible gift funds for your down payment to finding flexible financing for different property types, there are many great paths to homeownership.

Let's find the right program for your unique goals. Message me today to explore your options! ✨

Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Looking to expand your real estate portfolio? 🏠A DSCR loan qualifies you based on the property's rental income rather th...
09/14/2026

Looking to expand your real estate portfolio? 🏠

A DSCR loan qualifies you based on the property's rental income rather than your personal tax returns, offering more flexibility to scale.

Let's run the numbers and find the right path for your next investment. Message me today to get started!

Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Calling all future homeowners! 🏡When you're on the hunt for your dream home, what's your absolute top priority?A. Your m...
09/11/2026

Calling all future homeowners! 🏡

When you're on the hunt for your dream home, what's your absolute top priority?
A. Your monthly payment
B. The neighborhood's location
C. The size of the home
D. The quality of the school district

Let us know your choice in the comments below! 👇

If managing your monthly payment is a key focus for you, reach out! We can explore various financial avenues to help you achieve your homeownership dreams.

Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Finding your perfect home loan is a unique journey! 🏡We know every buyer's financial story and goals are different, and ...
09/10/2026

Finding your perfect home loan is a unique journey! 🏡

We know every buyer's financial story and goals are different, and that's why we start by truly understanding yours.

Loan Factory is here to guide you from exploring your mortgage possibilities to getting those keys in your hand.

Ready to discover what path might be right for you? Let's connect today!



Jana Lozovanu | NMLS #2226979
Loan Factory | NMLS #320841

Address

2195 Tully Road
San Jose, CA
95122

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18323703336

Website

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