Mortgage lending
Company: Loan Factory
Company NMLS: #320841
Individual NMLS: #2824532
Licensed in: Virginia, Maryland, West Virginia, North Carolina, California
About me
Rajneesh Bhandari
Two licences, and one working principle: you should never have to wonder what you're not being told.
I came into lending and real estate from a career spent running things that fail badly when the details are wrong. It's why I take a different line from much of this industry: explain the trade-off, put the figures in writing, and say plainly when the answer is "wait."
I'm licensed as a mortgage loan officer with Loan Factory and as a REALTOR® with Prime Properties DMV LLC, working out of Herndon, Virginia. Those are two separate services, and you're welcome to use either one on its own — plenty of clients do exactly that.
The rest of my approach is unglamorous: return the call, answer the question you actually asked, and treat your money the way I'd want mine treated. I'd rather lose a transaction this year than put someone into a payment they'll resent for the next ten.
Herndon, VA
Serving the DMV
Two licences
Lending & real estate
Credentials
Licences and affiliations
All of it verifiable — please do check.
Real estate
Brokerage: Prime Properties DMV LLC
Broker licence: #0226028782
Brokerage address: 2253 Papermill Rd, Winchester, VA 22601
My Virginia licence: #0225268089
Designation: REALTOR®
Primary market: Northern Virginia and the greater DMV
REALTOR® is a registered trademark identifying real estate professionals who are members of the National Association of REALTORS® and subscribe to its code of ethics.
How I work
Four things you can hold me to
Trust in this business isn't a slogan on a yard sign. It's whether the number you were told in week one is the number on the settlement statement in week five. That's the only measure that counts.
You get the real number
Every estimate states what's included and what isn't. No teaser rate that quietly assumes points you never agreed to pay.
You'll know how I'm paid
Ask about compensation on your file at any stage and you get a direct answer, not a change of subject.
I answer the phone
Evenings and weekends included, because that's when offers get written and when the questions actually come up.
No pressure to use both
Want me for the loan only, or the listing only? Fine. Using one service is never a condition of the other.
Why I put this in writing
Most people meeting a loan officer or an agent for the first time are, quite reasonably, wondering what the catch is. Rather than ask you to take my word for it, I'd rather write down what you're entitled to expect and let you hold me to it. If at any point in your transaction something on this page isn't true, tell me and I'll fix it.
Let's talk about what you're planning.
Buying, selling, refinancing, or just trying to work out whether the timing makes sense — start with a conversation.