Opening Time

Mon - Fri 09:00 - 18:00
Sat 09:00 - 14:00

DiPali Shah

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

My 90 year old grandmother hired DiPali and her team to sell her Atherton Estate. DiPali listened to every detail my grandmother wanted. She was INCREDIBLY attentive, caring, professional, thoughtful, patient, and went above and beyond her duties as a real estate broker. She not only sold the property for the price that my grandmother was expecting, but she also became a good family friend that even travelled with her overseas. I cannot express how wonderful our experience with DiPali has been. We highly recommend DiPali and her team for your real estate needs. She will absolutely exceed all your expectations!! Thank you for everything DiPali!!!
DiPali & her team helped me move ONE block away from my daughter & 3 grandchildren. She listens to what your needs and wants are and gets things done in a timely fashion. In my case, she got me exactly what I needed and now I see my daughter's family regularly. The transition was very smooth and without any problem. Dipali was very much responsive to my questions and got me answers in a timley manner. If you want someone who listens and cares, I highly recommend DiPali Shah for any kind of real estate activities.
Is five stars the max? Dipali absolutely deserves more. I have zero doubt, that my family and I would not be sitting in our dream home right now if it was not for her. I will forever be in her debt. I was ready to walk away from this home due to issues with the selling agent. She was able to somehow understand better than me, that this home was where I belonged in, and was able to make the sale happen. Her knowledge of the industry, her professionalism, attention to detail, and her ability to listen and really be able to understand and anticipate her client's needs are unparalleled. She is a true master at her craft. I'm not just talking about just her understanding of the real estate market and the homes she is selling. I'm talking about EVERYTHING adjacent to that as well. We had so many questions regarding the different city laws around different types of permits, to tree removal, to sewer laterals, taxes, to termites and fumigation, to financing, to renovations, and pools, and roofs, school zones, commutes, fire/landslide/earthquake hazards/risks, the list goes on. She was able to get quick answers to ALL related questions, and had relationships with contractors, and banks, and countless other resources to help get more information and/or solutions to all our concerns. She constantly exceeded our expectations. She was always available to us, making us ask her if we here her only clients (of course we weren't). What's more is that she was not just available to us, she was proactively anticipating things we may need down the road, or providing us information that we weren't even aware we were going to need. She truly made us feel like family (the kind that actually love each other). Even weeks after the sale, she was checking in to make sure we were happy and asked she could help with anything! I can keep going, but the bottom line here is, you will not find a better real estate agent - a better person - that genuinely cares for your happiness and someone you can completely trust. Thank you Dipali!!!

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

2059+

Loan officers

express

Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

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.

Re-finance Low Rate

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.

Re-finance Cash Out

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.

Why Us

Independent Advice.

We commit to always give you independent advice regarding real estate and mortgage options.

Customer First.

We make less per loan than competitors and pass the extra savings to borrowers.

Low Available Rates

You will always get great deals with our real-time pricing engine.

Fast, Convenient, Local Service.

we are just one call away from your requirement.

Contact us today

Your home is one call away. We will get back to you immediately.

CONTACT US NOW

Fast funding,
easy application.
Get your loan today!

Quick Loans, Anytime, Anywhere!

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