An independent broker built on the belief that every borrower deserves real choice and honest guidance.
Before founding KeyRate Mortgage Group, our principal broker spent over a decade as a loan officer at a major national bank. The experience was eye-opening, but not always in a good way.
Working inside a bank means selling that bank's products, whether or not they're the best fit for the client. When a borrower doesn't quite fit the box, the answer is usually "sorry, we can't help" rather than "let me find someone who can."
That didn't sit right. So in 2015, KeyRate was born as an independent mortgage brokerage with one clear mission: give every borrower access to the full market of lenders and the honest guidance to choose wisely.
Today, we partner with over 50 banks, credit unions, and wholesale lenders. When you work with us, you get the same rate comparison that would take you weeks of phone calls, all in one conversation.
The difference between a broker and a bank is simple: we have no loyalty to any single lender. Our only loyalty is to you.
We present options from 50+ lenders side by side, with full transparency on rates, fees, and terms. You choose what works best, not what makes us the most money.
If now isn't the right time to buy, we'll tell you. If your credit needs work before applying, we'll help you build a plan. Our advice is always in your best interest.
From your first question to your closing day handshake, we handle the details. Paperwork, underwriting coordination, lender communication, and status updates are all on us.
A small, experienced team that treats every client like the only client.
15+ years in mortgage lending. Former bank loan officer who went independent to serve clients better. Specializes in complex lending scenarios and first-time buyer guidance.
8 years of experience helping families navigate the home buying process. Fluent in English and Spanish. Known for her patience with first-time buyers and attention to detail.
The engine behind every smooth closing. Kevin manages document collection, underwriting coordination, and timeline management to keep your loan on track.
We maintain all required federal and state licenses, and we're committed to full transparency in every transaction.
We believe that education is the foundation of good financial decisions. That's why we give back through free workshops and events.
Free monthly workshops covering the entire home buying process, from budgeting and credit building to understanding closing costs. Open to anyone in the community, not just our clients. We partner with local real estate agents and housing counselors to provide a complete picture.
Quarterly events focused on personal finance topics like building credit, managing debt, and saving for a down payment. We've partnered with local libraries and community centers to reach people who might not otherwise have access to financial education.
Schedule a free consultation to see how KeyRate can help you find the right mortgage at the right rate.