John Zialcita NMLS #337891 · Loan Factory NMLS #320841
John Zialcita specializes in complex mortgage scenarios across California and Hawaii, focusing on refinance strategy, $1M–$3M home loans, VA lending, and property types that require precise underwriting.
Call or text (415) 385-7409 · NMLS #337891 · CA DRE #01727126 · Loan Factory, Inc. NMLS #320841
See what you qualify for in seconds.
Big banks are slow, expensive, and have limited options. Here's how John approaches California and Hawaii refinances.
California DRE broker license issued 12/28/2005 (DRE public record).
As a mortgage broker, I access wholesale lender pricing — the same rates banks use internally before adding retail markup.
Condotel, non-warrantable condo, leasehold and $1M–$3M Bay Area scenarios.
We analyze your break-even point, closing costs, and long-term savings. If it doesn't make sense, we'll tell you.
Many refinances close in 21–30 days. Complex scenarios may take 30–45 days.
Enter your scenario in the live rate tool. Real-time rate comparisons, updated daily.
A short call to review your goals, income, property and the right lender match.
All fees clearly disclosed upfront in your Loan Estimate, then on to closing.
“Refinancing isn't always the right move. It depends on your goals, timeline, and current loan structure.”
John Zialcita is a mortgage broker with Loan Factory, Inc., serving homeowners in Hawaii and California. As a mortgage broker, he accesses wholesale lender pricing, which allows for more competitive pricing and flexibility in lender selection based on your specific scenario.
Specialties: No-Cost Refinance loans, Jumbo loans, Self-Employed Borrowers, First-Time Homebuyers.
Mortgage Broker · NMLS #337891
More about John5.0 rating · 10 reviews
“John Zialcita is smart, energetic, responsive, knowledgeable, patient, and is with you every step of the way. This is not an easy process, so you need someone like John in your corner. Responded to every text and email within minutes. Always took my call. My family are so grateful to John and his entire Loan Factory team. Thank you John.”
— AJ Halagao, Honolulu, Hawaii · 6 months ago · Google
Read all Google reviews“We just refinanced our mortgage and had a great experience working with John and Leila. We got a great rate and the process was extremely smooth. Communication was excellent and John thoroughly answered any questions I had was very good about keeping us updated each step of the way.”
— Peter · 7 months ago · Google
“We recently refinanced our mortgage with John, and I couldn’t be happier with the experience. In a tough market with fluctuating rates, John kept us well-informed and educated, making sure we understood all our options. He was proactive in monitoring the market and watching for the right time to lock in the best rate for us. The process was smooth, and communication was clear throughout. I truly appreciated his professionalism and dedication. I highly recommend John to anyone for their mortgage needs.”
— Sylvia Sanchez · a year ago · Google
“John has been and will remain our go-to expert for all our mortgage needs. I remember how overwhelming the process of our first mortgage was, and I truly appreciate how he simplified our options and explained them clearly. He is always responsive and ensures that we feel confident and comfortable with our decisions. I highly recommend his services.”
— JoAnne Lucero-Nonomiya, Bay Area · a year ago · Google
“I highly recommend John for your Mortgage needs. He has helped me finance and re-finance several properties, each time explaining the process in clear, simple terms without industry jargon and consistently delivered exceptional service. John secures competitive rates and tailors mortgages to individual needs without pressure. His professionalism and genuine care have made him my go-to expert for all my mortgage needs.”
— Mel Ueng, San Francisco · a year ago · Google
5.0 rating · 52 reviews
“We had such a good experience the first time around, that I have done four refinancing with John Z.”
— Yelp review highlight
Read all 52 Yelp reviews5.0 rating · 3 reviews
“John Z. is the BEST! The home loan process is a scary one, and he helped me understand every part. John was always responsive and there for me to answer questions and solve problems. He was simply a delight to work with, and I highly recommend him.”
— Pacifican, Pacifica, CA · Purchase · June 12, 2014 · Zillow. This review predates Loan Factory.
Read all Zillow reviewsRatings and reviews as shown on Google, Yelp, and Zillow, checked Oct 30, 2026. Zillow reviews are from 2014, before John joined Loan Factory.
Refinance expertise for Oahu and neighbor islands including VA IRRRL, cash-out refinance, condotel and non-warrantable condo scenarios.
Hawaii options
Strategic refinance structuring for $1M–$3M homes, Bay Area jumbo loans, RSU/bonus income scenarios, and high-equity property optimization.
California optionsA jumbo loan is a mortgage larger than the conforming loan limit the FHFA sets each year for your county. Many Hawaii and California counties have higher "high-cost" limits, so the cutoff depends on where the home is. See the official FHFA conforming loan limit table for your county.
John Zialcita is a mortgage broker with Loan Factory, Inc. who helps homeowners in Hawaii and California refinance higher-value homes, including jumbo rate-and-term and cash-out refinances, VA loans, RSU/bonus income and self-employed scenarios.
Yes. John's NMLS ID is 337891 and he holds California DRE Broker License #01727126 (licensed through 12/25/2027). He works through Loan Factory, Inc., NMLS #320841. See all licensing details or verify at NMLS Consumer Access.
Enter your scenario in the live rate tool, call or text John at (415) 385-7409, or book a call. You'll get a Loan Estimate with all fees disclosed before you commit.
Get answers to the most common questions about mortgages in California and Hawaii.
Checking a rate scenario on this page does not pull your credit. A credit check happens only if you choose to apply.
Retail banks are limited to their own product suite and pricing. Brokers compare multiple wholesale lenders simultaneously, matching your profile to the lender with the best combination of rate, fees, and underwriting flexibility.
Many refinances close in 21–30 days. Complex scenarios involving multiple properties, self-employment income, or asset depletion may take 30–45 days.
Refinancing isn't always the right move—it depends on your goals, timeline, and current loan structure. We analyze your break-even point, closing costs, and long-term savings to ensure refinancing delivers real value. If it doesn't make sense, we'll tell you.
No obligation, just honest numbers. Get a custom quote for California or Hawaii in minutes.
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