Independent mortgage broker with access to 50+ lenders and the best rates in town. We shop the market so you get the loan that actually fits your life.
Illustrative rates as of January 2025
Rates shown are for illustrative purposes only and do not represent an offer to lend. Your actual rate will depend on credit score, loan amount, down payment, and other factors. Contact us for a personalized quote.
Whether you're buying your first home, upgrading, or investing, we have the loan program to match your goals.
Traditional financing with competitive rates and flexible terms. Ideal for borrowers with good credit and a steady income. Down payments as low as 3%.
Learn MoreGovernment-backed loans designed for first-time buyers and those with less-than-perfect credit. Down payments as low as 3.5% with flexible qualifying guidelines.
Learn MoreExclusive benefits for veterans and active-duty service members. Zero down payment, no PMI, and competitive rates as a thank-you for your service.
Learn MoreUnlike banks that push their own products, we compare offers from dozens of lenders to find your best fit.
Access to a wide network of banks, credit unions, and wholesale lenders means more options and better rates for you.
Every borrower is different. We take the time to understand your financial picture and recommend the right loan, not the most profitable one.
Get pre-approved quickly so you can shop for homes with confidence. Most pre-approvals completed within 24 hours.
Complete transparency on all costs. We provide a detailed breakdown of every fee before you commit, so there are never surprises at closing.
Our streamlined process takes the stress out of getting a mortgage.
We sit down (in person or virtually) to understand your goals, finances, and timeline. No pressure, no obligation.
We compare rates and terms from 50+ lenders to find the best options for your specific situation. You see the results.
We handle the paperwork, coordinate with underwriting, and keep you updated every step of the way.
Sign the papers and get your keys. We'll be there to make sure everything goes smoothly from start to finish.
See how different loan types stack up. These illustrative rates give you a starting point for comparison.
| Loan Type | Rate | APR | Monthly Payment* |
|---|---|---|---|
| 30-Year Fixed | 6.500% | 6.625% | $2,023/mo |
| 15-Year Fixed | 5.750% | 5.875% | $2,633/mo |
| 5/1 ARM | 6.000% | 6.125% | $1,919/mo |
| FHA 30-Year | 6.250% | 7.100% | $1,970/mo |
| VA 30-Year | 6.000% | 6.200% | $1,919/mo |
Don't just take our word for it. Here's what our clients have to say about working with KeyRate.
"As a first-time buyer, I was overwhelmed by the mortgage process. KeyRate walked me through every step, found me a rate that was a full point lower than my bank offered, and made closing day feel easy. I couldn't have done it without them."
"I refinanced with KeyRate and dropped my rate by 1.5%. The savings on my monthly payment are significant, and the process was so much smoother than my original mortgage experience. Highly recommend for anyone looking to refinance."
"I've financed three investment properties through KeyRate. They understand investor needs, find competitive rates on non-owner-occupied properties, and close on time every time. They're my go-to for every deal."
Whether you're buying, refinancing, or just exploring your options, we're here to help you make the smartest mortgage decision.