Jason Sparkman

For over 20 years, I worked in business and commercial finance—evaluating thousands of credit applications for operating lines of credit, capital expenditure loans, construction financing, and real estate loans. Structuring these diverse financing deals taught me exactly what makes loans get approved. When I decided to bring that expertise to residential mortgages, I realized I could solve problems for homebuyers that most loan officers never even see.

I'm Jason Sparkman, and my superpower is turning "maybes" into "approved." With an MBA in finance and two decades analyzing creditworthiness across every type of financing structure, I know how to position your application for success.

I'm licensed in both California and Texas—states I've actually lived in—so I understand the unique challenges of each market. Combined with Loan Factory's access to multiple bank options and rates we guarantee won't be beaten, I can find solutions that work for your specific situation.

Whether you're a first-time buyer worried about qualifying or a homeowner looking to refinance, I'll make the process simple and transparent. No jargon, no surprises—just clear guidance from someone who truly understands lending.

When I'm not working with clients, I'm spending time with my kids, staying connected with real estate professionals in both states, and keeping up with market trends that could benefit you.

Don't let uncertainty hold you back from homeownership. Call or text me today at 858-280-1763 for a free, no-obligation consultation. I'll evaluate your situation and show you a clear path forward—often finding opportunities other loan officers miss.

NMLS# 2633522 | Loan Factory - Company NMLS: 320841