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Opening Time

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

Avani Mangrolia

Avani Mangrolia

Loan Officer

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

Phone: (510) 516-1315

NMLS#: 693797

License: TX, AZ, FL, CA

Spoken Language: English

My reviews on Zillow

Avani is amazing! If I could give more than 5 stars I would. She made this the easiest process ever. We have dealt with many lenders throughout the years and Avani is the only one I will most definitely return to and recommend. Avani you won us over from day one and that’s something not many have done. You were almost too good to be true and maybe that’s because of the horror stories we’ve gone through with other lenders. But it was your confidence and experience that made it a smooth process. I thank you from the bottom of my heart for helping us get into our newest home and adventure and most of all for making it so easy to put our trust in you.
Avani is one of the experienced and excellent lender and very easy to work with. Always she thinks from customer perspective which makes her unique , and as far as my experience is concerned it was always smooth and seam less , so would not hesitate to recommend Avani for her professional services
2020 was a great year for refinancing as the rates kept falling. I was referred to Avani in April/May and I completed my refinance at no cost for a 15 year program at rates better than most others were offering. It was a pleasant surprise as to how smoothly everything went and the loan closed in less than 4 weeks. The rates kept falling and I was in touch with her. And we started refinancing process again in the end of November. This time the process was even better. She pretty much had all my documents from before (just needed some refreshes). Even the appraisal was waived which resulted in me getting back some money and I think we closed in 3 weeks. I highly recommend working with Avani for any refinancing.

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



$11.9+ 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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