DiPali Shah
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
For over 25 years, DiPali Shah has guided families, founders, and fiduciaries through high-stakes real estate and mortgage transactions in Atherton, Palo Alto, Los Altos Hills, Portola Valley, and other ultra-prime Silicon Valley markets. A licensed real estate broker and mortgage loan officer, she brings unmatched dual expertise to every client relationship.
Clients describe her as strategic yet approachable, detail-oriented yet warm, and above all, trustworthy. Raised in Silicon Valley and educated at UC Berkeley with executive studies at Stanford, DiPali blends deep local knowledge with a global outlook shaped by extensive travels across Asia and Europe.
A tech and AI enthusiast, she leverages advanced analytics to uncover hidden opportunities. Fluent in English, Gujarati, conversational Mandarin, and Spanish, she excels in complex, cross-cultural negotiations.
Her affiliations include the Silicon Valley Association of REALTORS®, San Francisco AOR, California AOR, and the National Association of REALTORS®. Outside of real estate, she is a certified yoga instructor and hip-hop beatmaker, bringing creativity and focus to every deal.
Partner with DiPali to gain not just a broker and lender, but a trusted confidante and relentless advocate for your real estate and lending goals.
CA DRE #01249165 · NMLS #1952782
NMLS#: 1952782
License: CA
Spoken Language: English
My reviews on Google
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 229 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
- 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.
OUR ACCOMPLISHMENTS
229+
Number of Lenders
13836+
2059+
Loan officers

Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer

Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.

Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.

Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
Why Us
Fast funding,
easy application.
Get your loan today!
Quick Loans, Anytime, Anywhere!
