Loi Tran is a licensed California loan officer who has spent over a decade closing real loans for real people — from HELOCs to million-dollar purchases and refinances.
Loi Tran has spent 11 years as a licensed California loan officer, and in that time he's closed loans across the full range of what a borrower might actually need — not a narrow specialty, and not a call-center script. From a straightforward HELOC to a complex, seven-figure jumbo purchase or refinance, the experience behind each file is the same: someone who has genuinely seen that scenario before, not someone reading from a decision tree.
That range matters more than it might seem. A loan officer who has only ever closed one type of loan tends to force every borrower's situation into that same mold. Eleven years across HELOCs, standard purchases, jumbo financing, and complex refinances means your specific situation gets evaluated on its own terms — because there's real, direct precedent for it.
Loan28.com is built around a simple idea: you shouldn't need to be handed off between departments to get a straight answer. Whatever your situation actually is, it's covered by direct, hands-on experience:
Loi Tran is licensed under NMLS #454267, working with Loan Factory (a California-licensed mortgage broker, Company NMLS #320841). You can verify this licensing directly through NMLS Consumer Access — a real, checkable credential, not a claim you have to take on faith.
Loi works remotely and is based in the Bay Area, serving clients throughout California. Whether you're in the Bay Area or elsewhere in the state, the same 11 years of experience and the same direct access apply.
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