Know Your Home's Financial Power

Get a personalized mortgage report for your property — see your equity, explore financing options, and discover how to save thousands on your mortgage.

Home Equity

Track your wealth

Savings Options

Pay less interest

Refinance Rates

Live market data

Joseph Small

Loan Officer

NMLS #380188

Licensed in: Arizona · Colorado · Texas · West Virginia

(520) 906-5200

jsmall@loanfactory.com

About Joseph Small

Joseph Small is a Loan Officer based at our TX-Houston branch, where he has demonstrated impressive performance by closing 300 loans with us. Licensed in Arizona, Colorado, Texas, and West Virginia (NMLS #380188), Joseph is dedicated to providing tailored mortgage solutions to clients across multiple states. He conducts business in English and is committed to delivering a smooth and supportive home financing experience for every client he serves.

What's in your report

Everything You Need to Know

Your personalized mortgage report gives you a complete picture of your home's finances — from equity to savings opportunities.

Home Equity Snapshot

See your estimated home value, current loan balance, and how much equity you've built — updated with real market data.

Estimated Net Equity

Payment Breakdown

Understand exactly where your monthly payment goes — how much is principal, how much is interest, and your payoff timeline.

Monthly Payment

Extra Payment Savings

Discover how paying a little more each month can save you thousands in interest and shave years off your mortgage.

Potential Savings

Refinance Opportunities

Compare current market rates across 15, 20, and 30-year terms to see if refinancing could lower your costs.

Best LIVE Rate

Cash-Out Options

See how much cash you could access through a cash-out refinance or home equity line of credit.

Maximum Cash-Out

Total Cost Projection

See the total cost of your home over the life of the loan — including both principal and interest payments.

Total Home Cost

Your Report in 3 Simple Steps

We Pull Your Property Data

Using your address, we gather real-time market data, your estimated home value, and public loan records.

Review Your Personalized Report

Get a clear breakdown of your equity, monthly payments, amortization schedule, and current refinance rates.

Explore Your Options

See how much you could save by refinancing, making extra payments, or tapping into your home equity.

I had no idea how much equity I had in my home until I ran this report. It showed me I could refinance and save over $300 a month — plus I could see exactly where every dollar of my payment was going. It's the clearest picture I've ever had of my mortgage.

Sarah Mitchell

Homeowner, Austin TX

Ready to Work With Joseph Small?

Get your personalized mortgage report and discover how much you could save.