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Opening Time

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

Bonnie-Bong Ngo

Bonnie-Bong Ngo

Loan Officer

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


With years of experiences in the mortgage industry, I am dedicating to  help clients nagivate the complexities of home loan process.  I am committing to provide personalize service and finding the best mortgage solutions to meet each client's unique needs.  I am working with wide network of lenders to offer a variety of loan products, including Conventional, FHA, VA, USDA, Down Payment Assisstence, and Non- QM Products.  Known for attention to detail and in depth knowledge of the mortgage market, assists clients from the initial application through to closing, ensuring a smooth and efficient experience.  

Phone: (832) 310-3517

NMLS#: 1904398

License: IL, TX

Spoken Language: English, Vietnamese

My reviews on Google

My reviews on Zillow

My reviews on Loan Factory

Easy and quick process! Clients were very happy with the services!
Bonnie was so communicative and helpful throughout our entire loan process. She really went above and beyond to find us the best rate possible. I only have positive things to say about Bonnie and would recommend her to anyone!

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 187 lenders in real-time for you.
  • 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed many loans, we can negotiate and obtain ridiculously low rates from lenders.
  • 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.



Number of Lenders


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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