Guiding you home. Building your future.
As both a licensed Loan Officer and REALTOR®, I help buyers, sellers, homeowners, and real estate investors understand financing, evaluate property decisions, negotiate with confidence, and move toward a successful closing.
Rajneesh Bhandari
Loan Officer & REALTOR®
Herndon, Virginia · Serving the DMV
Loan Factory | Prime Properties DMV LLC
Equal Housing Lender | Equal Housing Opportunity
Some clients come to me for financing. Some for a purchase or a sale. Some for both. Each service stands entirely on its own — no bundle, no condition attached, and no pressure to hand over more of your transaction than you want to.
Purchase loans, refinances and cash-out through Loan Factory's lender network. I shop the programs, structure the file and keep the rate lock on track.
Representation for buyers and sellers across Northern Virginia and the wider DMV, backed by the pricing discipline that comes from underwriting deals daily.
A mortgage is the largest contract most people ever sign, and this industry has spent decades making it hard to read. Trust isn't won with a slogan — it's won by showing your working. So you see the full cost, the real trade-offs and how I'm paid, before you commit to anything, not after.
Payment, cash to close and closing costs come to you in writing. A number quoted over the phone that changes at the settlement table isn't a quote — it's a sales tactic.
Rate, points, lender fees, title, escrow and mortgage insurance — line by line. A low rate bought with discount points you never asked for is not a low rate.
Ask me how I'm compensated on your file and by whom, and you'll get a direct answer. If a choice in front of you would pay me more, you'll hear that from me before you make it.
Appraisal short, underwriter pushing back, settlement slipping — you hear it the day I do. Problems get smaller when they're raised early and larger when they're managed quietly.
Using me for the financing is never a condition of using me for the sale, or the other way round. The dual role is disclosed in writing at the start, and you can split it any way you like.
If the numbers say rent another year, keep the rate you have, or offer less on that house, that's the advice you'll get — even when it costs me the transaction.
Holding both licences is useful when you want it and completely irrelevant when you don't. Using me for the financing is never a condition of using me for the sale, or the other way round. Where both roles do apply, the disclosure comes in writing at the start rather than buried at closing — and if you'd rather keep them entirely separate, I'll handle one side and refer you to someone good for the other. No hard feelings, no pressure.
Every buyer's file is different. These are the routes I use most — the right one depends on your credit, income documentation and how long you plan to stay.
The default for buyers with solid credit. Mortgage insurance drops off once you reach 20% equity.
Built for buyers with thinner credit files or a higher debt load. Easier qualifying, with mortgage insurance for the life of most loans.
For eligible service members, veterans and surviving spouses. No down payment and no monthly mortgage insurance.
Above the conforming limit — common across Fairfax, Loudoun and Arlington price points. Reserves and documentation matter more here.
Qualify a rental on the property's own cash flow instead of your tax returns. Useful when you're building a portfolio.
Lower the rate, drop mortgage insurance, shorten the term, or pull equity out for renovation or debt consolidation.
No mystery, no radio silence. Here's the actual sequence and what I need from you at each stage.
Fifteen minutes. Goals, timeline, budget, and whether now is genuinely the right time to buy.
Income, assets and credit reviewed properly — so your letter holds up when a listing agent tests it.
Search set up, tours booked, and a candid read on each property's condition and price.
Terms structured to compete without exposing you — contingencies, dates and earnest money that make sense.
Appraisal ordered, conditions cleared, rate locked. You get status updates without having to chase me.
Final numbers reviewed with you before settlement day so there are no surprises at the table.
Some people want to talk it through first. Some people already know what they need and want to get moving tonight. Both are fine.
Loan Factory's secure online application. Fill in what you can, and I'll pick it up from there — usually the same day. This is the fastest route to a pre-approval letter you can put behind an offer.
Fifteen minutes, no application, no credit pull. Useful if you're early, if your income is complicated, or if you just want a straight read on whether the timing works.
Move the inputs and watch the monthly figure update. It's an estimate, not a quote — but it's the right shape.
Based in Herndon, Virginia. Real estate representation is Virginia and the surrounding DMV; mortgage financing reaches further.
Frequently working across Fairfax, Loudoun, Prince William and Arlington counties, plus Herndon, Reston, Ashburn, Sterling, Chantilly and Centreville.
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It takes one click to begin, and nothing goes to a lender until you say so. If you'd rather ask questions first, call or text — that's just as welcome.
