About John Zialcita
John Zialcita is a mortgage broker with Loan Factory, Inc., serving Hawaii and California. He focuses on refinance strategy, $1M–$3M home loans, VA lending, RSU/bonus income and self-employed borrowers, and property types that require precise underwriting.
Specialties: No-Cost Refinance loans, Jumbo loans, Self-Employed Borrowers, First-Time Homebuyers.
California DRE broker license issued 12/28/2005 (CA DRE public record).
Guides: what a jumbo refinance is, jumbo cash-out refinance, and 2026 conforming loan limits for Hawaii and California counties.
Questions
Who is John Zialcita?
John Zialcita is a mortgage broker, NMLS 337891, with Loan Factory, Inc., NMLS 320841. He holds California DRE broker license 01727126 and arranges jumbo refinances for homes in Hawaii and California.
How can his licenses be checked?
Look up NMLS 337891 and company NMLS 320841 on NMLS Consumer Access, and California DRE 01727126 on the DRE site. This page does not list a Hawaii individual license number.