Cedric Bonds, Mortgage Broker - NMLS #1605176

Cedric Bonds, Mortgage Broker - NMLS #1605176 Mortgage banker with 15+ years in corporate treasury and commercial real estate finance. FHA, VA, Non-QM, DSCR & SBA lending.

NMLS #1605176 | Loan Factory NMLS #320841

Did you know your primary residence can evolve with your life? 🏡 The home you purchase today could become a strategic pa...
06/09/2026

Did you know your primary residence can evolve with your life? 🏡 The home you purchase today could become a strategic part of your financial future, thanks to flexible loan options and life's unexpected turns. Smart planning means looking beyond just the present. Let's discuss how your homeownership journey can be a long-term win.

Cedric Bonds | NMLS #1605176
Loan Factory | NMLS #320841

Dreaming of homeownership? 🏡 Your first home might be more attainable than you think! Many aspiring buyers believe a lar...
06/08/2026

Dreaming of homeownership? 🏡 Your first home might be more attainable than you think! Many aspiring buyers believe a large down payment or perfect credit are essential, but FHA loans offer flexible options designed to help qualified borrowers, especially first-time homebuyers, achieve their goals. These loans can feature lower down payment requirements, making that dream home feel closer.

Ready to explore your home financing possibilities? Send us a message to review your options and take that exciting next step toward owning your own place!

FHA loans are subject to borrower qualification, loan limits, and program requirements. Not all applicants will qualify.

Cedric Bonds | NMLS #1605176
Loan Factory | NMLS #320841

Thinking about buying a home? 🤔 A mortgage pre-approval is a key step! We asked a quick question about what lenders look...
06/05/2026

Thinking about buying a home? 🤔 A mortgage pre-approval is a key step! We asked a quick question about what lenders look at. Did you get it right?

Comment your answer below! Or, send us a message if you're curious about the documents typically needed for pre-approval.

Pre-approval is subject to lender review and verification of borrower information. Loan approval is not guaranteed. Program guidelines apply.

Cedric Bonds | NMLS #1605176
Loan Factory | NMLS #320841

Your VA Home Loan Benefit Starts Here! 🇺🇸 You served our country, and now it's time to leverage your well-deserved benef...
06/04/2026

Your VA Home Loan Benefit Starts Here! 🇺🇸 You served our country, and now it's time to leverage your well-deserved benefits. VA loans offer fantastic flexibility, competitive interest rates, and often don't require a down payment. Ready to explore your homeownership dreams? Let's see if you qualify!

Cedric Bonds | NMLS #1605176
Loan Factory | NMLS #320841

Thinking a 30-year mortgage means you're tied down for three decades? Not quite! 🤔 A mortgage term is just a repayment s...
06/03/2026

Thinking a 30-year mortgage means you're tied down for three decades? Not quite! 🤔 A mortgage term is just a repayment schedule. Many homeowners pay off their loans faster by making extra principal payments, refinancing, or selling. The key is picking a loan that matches your financial goals.

Ready to explore what mortgage term makes the most sense for your unique situation? Let's chat about your options!

Cedric Bonds | NMLS #1605176
Loan Factory | NMLS #320841

Imagine creating a home that perfectly reflects your life and style! 🏡 Owning your own space means you have the freedom ...
06/02/2026

Imagine creating a home that perfectly reflects your life and style! 🏡 Owning your own space means you have the freedom to design your dream kitchen, a cozy living area, or that productive home office you've always wanted. If becoming a homeowner is on your radar, let's explore how the right mortgage approach can help you achieve that goal sooner. Ready to discuss your homeownership aspirations? Send us a message!

Cedric Bonds | NMLS #1605176
Loan Factory | NMLS #320841

Thinking your monthly mortgage payment is the only number that matters? 🤔 It's a common myth!When exploring your home fi...
06/01/2026

Thinking your monthly mortgage payment is the only number that matters? 🤔 It's a common myth!

When exploring your home financing, remember to look at the whole picture. Loan term, total interest paid over time, and available programs all play a role in finding the right fit for your unique financial goals and future plans.

Your mortgage should support your dreams, not just your budget.

Curious about your options? Let's chat about how we can strategize for your homeownership journey!

Cedric Bonds | NMLS #1605176
Loan Factory | NMLS #320841

Dreaming of owning your own manufactured home? You might be surprised by the financing possibilities available! Afforda...
05/28/2026

Dreaming of owning your own manufactured home? You might be surprised by the financing possibilities available! Affordable homeownership is closer than you think, with programs designed for qualified buyers offering flexible terms and smaller down payments. Let's chat about how we can help you reach your goals. Send me a message to explore your options!

Cedric Bonds | NMLS #1605176
Loan Factory | NMLS #320841

Unlock the power of your home's equity for your next big project! 🏡 Whether you're dreaming of renovations, consolidatin...
05/27/2026

Unlock the power of your home's equity for your next big project! 🏡 Whether you're dreaming of renovations, consolidating debt, or covering major expenses, a Home Equity Line of Credit (HELOC) can offer flexible access to funds. Discover how your available equity can work for you with a straightforward process and adaptable borrowing choices. Send me a message today to explore if a HELOC is the right fit for your financial goals.

Cedric Bonds | NMLS #1605176
Loan Factory | NMLS #320841

Address

2195 Tully Road
San Jose, CA
95122

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 4pm

Telephone

+19493911095

Website

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