Home - Doos Mortgage

Fast-Track Your Dream Home with Expert Mortgage Guidance

Stop guessing and start moving. We find the most competitive rates and handle the paperwork, so you can focus on packing.

Navigating the Mortgage Maze Shouldn't Be Stressful.

Most home buyers feel overwhelmed by shifting rates and endless fine print. We simplify the process by shopping 50+ lenders to find the perfect fit for your unique financial profile.

Services

Finding the Right Loan for Your Life

First-Time Buyers

Stepping into the world of homeownership can feel like a marathon, but you don’t have to run it alone. We specialize in guiding first-time buyers through every twist and turn of the process, from initial pre-approval to the moment you get your keys. Think you need a massive 20% down payment? Think again. With options as low as 3% down and access to various grant programs, we help turn the “someday” of owning a home into a reality today. Let’s build your path to homeownership with a strategy that fits your budget and your future.

Refinancing

Your mortgage shouldn’t be “set it and forget it”—it should work for your current lifestyle. Whether you’re looking to lower your monthly payment, shorten your loan term to save on interest, or switch from an adjustable to a fixed rate, refinancing can be a powerful financial tool. Many homeowners also choose to pull out equity to fund major life goals like home renovations, debt consolidation, or education costs. We’ll run the numbers with you to ensure a refinance makes sense for your bottom line.

VA & FHA Loans

We believe everyone deserves a place to call home, regardless of a perfect credit score or a huge savings account. FHA loans are a fantastic option for those with modest credit or a lower down payment (starting at just 3.5%). For our military community, VA loans offer a well-deserved benefit with $0 down payment and no monthly mortgage insurance. These specialized government-backed programs are designed to be flexible and accessible, and we take pride in helping our veterans and first-time buyers navigate the specific requirements of these life-changing loans.

From Application to Keys in 3 Easy Steps.

Apply Online

A 10-minute digital application to get started.

Custom Strategy

We compare lenders and pick the best rate/term.

Fast Closing

Clear communication all the way to move-in day.

What My Clients Say?

Working with Philip was an amazing experience! From start to finish, he made the entire loan process smooth and stress-free. He was incredibly knowledgeable, always took the time to explain everything in detail, and made sure I understood every step. Philip was responsive, professional, and genuinely cared about helping me secure the best possible loan. Thanks to him, I’m now a proud homeowner! Highly recommend Philip to anyone looking for a reliable and trusted loan officer!

Vanessa Schlitt

Thanks for the glowing review, Mariane! We're thrilled to hear Philip made your loan journey smooth and stress-free. You’re in great hands with him! Don’t hesitate to come back to Loan Factory whenever you need us—Philip will be ready to assist!

Mariane Gerges

I wanted to share my experience with Loan Factory; Philip was my Loan officer he was professional, and the deal executed smoothly and on time he promised, and he get me the lowest interest rate in the market.

Labib Waguih

Your Partner in Homeownership.

Hi, I’m Pilipe Doos. I don’t just close loans; I help people build wealth through real estate. With [X] years in the industry, I know how to navigate even the toughest credit scenarios.