Aferdita Rica | Mortgage Broker

Aferdita Rica is a mortgage loan officer based in Troy, Michigan. Her website states that she is licensed in Florida and Michigan, lists her individual NMLS number as 2314764, and presents her loan options under Loan Factory, Inc. (company NMLS 320841).

For home buyers, the loan options listed on her site include adjustable-rate mortgages, HomeReady and Home Possible conventional programs, jumbo, FHA, VA and USDA loans, bank statement loans for self-employed borrowers, DSCR loans for real estate investors, asset-qualifier loans and foreign national loans.

For existing homeowners, the site lists FHA Streamline and VA IRRRL refinances, USDA Streamlined Assist, rate-and-term and cash-out refinancing, bank statement, DSCR and asset-qualifier refinances, home equity lines of credit (HELOC) and reverse mortgages (HECM) for homeowners aged 62 and over.

The site says Loan Factory shops rates across a network of 240 lenders.