Purchase, refinance and investment-property financing backed by 25+ years of experience and Loan Factory’s $2,000 Best Price Guarantee.
A mortgage site built around speed, clarity, and better options.
Compare the numbers, upload a Loan Estimate, book a call, or start the application without hunting around.
Use the right tool for where you are right now.
Buyer mode helps you explore what your next purchase could look like. Homeowner mode helps you think through equity, refinance, and next-move options. Either way, Joe gets the details so he can follow up with real guidance.
Not every borrower needs the same mortgage.
The right answer depends on the home, your timing, your cash position, your long-term plan, and whether you already have an offer to compare.
Three steps. No mystery mortgage maze.
The point is to reduce uncertainty. You should know what the next step is and why it matters.
Tell Joe the goal
Buying, refinancing, cashing out, or comparing an existing offer.
Review the numbers
Rate, payment, cash needed, closing costs, and program fit.
Move when ready
Use the secure Loan Factory application when it is time to create the file.
The mortgage should fit the situation.
These are the kinds of conversations Joe helps borrowers sort through every week.
Offer deadline coming up
Get clear payment and cash-to-close numbers before you stretch or walk away.
Rate is only part of it
Look at break-even, total cost, and whether the refinance actually improves the plan.
Already quoted elsewhere
Upload the Loan Estimate and see if Loan Factory can match or beat the qualifying offer.
Mortgage help around Andover, Greater Boston, the North Shore, and Southern New Hampshire.
Joe works with buyers, homeowners, and qualified residential borrowers across Massachusetts and New Hampshire. Start with the goal, then talk through the loan path that fits the numbers.
Residential lending here. Investor capital through IMC.
Joe’s Loan Factory mortgage platform and Investor MultiFamily Capital now connect cleanly: consumer mortgage work stays here, while business-purpose investor financing belongs at IMC.
Residential mortgage quote?
Stay here for Loan Factory purchase loans, refinance reviews, Homebot tools, and the $2,000 Best Price Guarantee process.
Investment property scenario?
Use Investor MultiFamily Capital when the deal is business-purpose investor financing, including DSCR, bridge, fix-and-flip, rental property, multifamily, STR, construction, cash-out refinance, or deal rescue capital.
Mortgage guidance with an investor capital operator’s lens.
Joe Galvin is a Loan Factory mortgage loan officer and the founder of Investor MultiFamily Capital. He helps borrowers compare mortgage options clearly, while also bringing more than 25 years of real estate lending experience and a deal-structure mindset to the conversation.
For residential loans, this site connects you to Loan Factory pricing, quote tools, and the $2,000 Best Price Guarantee. For business-purpose investment property financing, Joe’s investor platform is Investor MultiFamily Capital.
Ready for Joe to review the numbers?
Skip the clunky widget. Call Joe, send the scenario, or use the official Loan Factory page when you are ready to start a secure file.
Talk it through
Best if you want a quick read before filling anything out.
Call 617-909-7967Send a quick note
Use the contact page if you want Joe to reply with the cleanest next step.
Contact JoeStart securely
Use Joe’s official Loan Factory profile when you are ready to begin.
Open Loan FactoryQuestions people ask before they apply.
How does the $2,000 Best Price Guarantee work?+
What mortgage options can Joe help review?+
Can Joe help with a purchase or refinance-+
How do I start the application?+
Before you accept their offer, let Joe review it.
Get the quote, compare the structure, and make the next move with cleaner numbers.