Andy Sabo

Loan Officer


Andy is a seasoned Loan Officer based in Honolulu, Hawaii, with over 40 years of experience and a diverse background in technology, real estate, commercial mortgages, and residential mortgages. Andy simplifies the mortgage journey and helps clients achieve their real estate goals.

Loan Expertise: Andy specializes in a wide range of loans, including conventional, FHA, VA, and non-QM loans. Whether clients are first-time homebuyers, investors, or seasoned buyers, he has the knowledge and solutions to meet their specific needs.

Educational Background: Holding an MBA and a Bachelor of Science in Business/Entrepreneurial Studies from Hawaii Pacific University, along with a technical degree from DeVry University, equips Andy with analytical skills to find tailored solutions for financing needs.

Tech-Savvy Approach: Leveraging his background in information technology, Andy uses cutting-edge tools and technology to streamline the mortgage process, ensuring a smooth experience from application to closing.

National Reach: Loan Factory, where Andy operates, is a licensed mortgage broker in 47 states, providing clients with access to a wide range of mortgage products. Whether clients are looking to purchase a home, refinance, or invest, he has the resources and expertise to assist them in getting the best possible deal.

Realtor and Investor Partnerships: Andy is not only a Loan Officer but also a licensed Realtor in California. He collaborates closely with real estate agents and investors, ensuring clients have a network of professionals to assist them in finding the perfect property or investment opportunity.

Client-Centric Approach: Andy's commitment to clients is unwavering. He provides personalized solutions that align with clients' goals. Whether it's securing the lowest rates, improving credit scores, or evaluating properties for a DSCR loan, Andy guides clients through every step of the process.

Clients considering Andy as their Loan Officer can look forward to a seamless and successful real estate experience in the vibrant markets of Hawaii and California. Whether they are buying their first home, expanding their real estate portfolio, or refinancing, he is dedicated to delivering expert advice and exceptional service.


Phone: (858) 433-5162

NMLS#: 2248266

License states: Hawaii, California

Spoken Language: English

Icon Icon Icon Icon

My reviews on Google

My wife and I are currently working with Andy Sabo during the purchase of our first home. He is very responsive and has provided us with a wealth of new knowledge around our loan and the overall process. I would refer him to any new buyers because of his patience and willingness to explain some of the more complicated elements of your first loan. .
Andy Sabo is AMAZING!! He is a true professional. Andy supported me in buying my home every step of the way. He is compassionate, patient, and answered all my questions . I am so very thankful for all his hard work and dedication. I love my new home .
Andy did my loan. He did almost impossible. At the same time I searched around and number of other lenders confirmed: we can’t be as good! All the stars! Andy has many programs, available to him and trying hard to help his clients. Often he succeeds and gets an exceptional rates/deals. Rarely he miss - like everybody else. But he will be open minded with you and you would know what to expect. I personally like Andy’s approach very much. It was easy to work with him. Thank you, Andy!

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 184 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

What makes us different?


  • Provide customized, real-time rate quotes
  • Immediate notification of any market rate movements
  • Comprehensive rate comparisons across all lenders

Other brokers

  • Provide customized, real-time rate quotes
  • Immediate notification of any market rate movements
  • Comprehensive rate comparisons across all lenders
Powered by
MOSO logo