The right home loan, without the runaround.
Keystone Lane is an independent mortgage brokerage. We compare loan options from multiple lenders, explain every number in plain English, and stay with you from pre-approval to closing.
Company NMLS #XXXXXX
Many lenders, one application
Local loan officers
Example monthly payment
$3,064
/ month
Illustrative only — not an offer
Run the numbers
See your monthly payment before you talk to anyone
Adjust price, down payment and rate to see principal, interest, taxes, insurance and mortgage insurance in one view. No email required.
Includes taxes, insurance, PMI and HOA dues
Enter your down payment in percent or dollars
Compare 15-, 20- and 30-year terms
Monthly payment estimate
Illustrative- Principal & interest$2,355
- Property tax$425
- Home insurance$125
- Mortgage insurance$159
Estimates for illustration only. Not a loan offer or commitment to lend.
Loan programs
Find the loan that fits your life
Compare the most common home loan programs in plain English, then talk it through with a licensed loan officer.
Down payment and credit figures are typical guidelines shown for illustration. Requirements vary by lender, program and borrower.
Broker vs. bank
Why work with a broker instead of a single bank?
A bank can only offer its own loans. As a broker, we compare options from multiple wholesale lenders and help you choose the one that fits.
Keystone Lane (broker)
You’re here
Loan options
Programs from multiple wholesale lenders, compared for you
Only the bank’s own loan products
Pricing
We shop pricing across lenders for your scenario
Pricing set by one institution
Point of contact
One licensed loan officer from application to closing
Often handed between departments
Unusual situations
Self-employed, investors and credit rebuilds are everyday work
Fewer options outside standard profiles
What it costs you
Broker compensation is disclosed on your Loan Estimate
Fees and pricing disclosed on your Loan Estimate
General comparison for illustration. Individual banks and brokers vary.
How it works
Five clear steps from application to keys
You’ll always know what’s next, what we need from you, and roughly how long each step takes.
01
Get pre-approved
Share a few details and documents. A loan officer reviews your credit, income and assets, then confirms your price range.
02
Compare your options
We line up programs and lenders side by side so you can weigh payment, cash to close and long-term cost.
03
Make an offer and lock
Once your offer is accepted, you choose when to lock your rate, and we order the appraisal.
04
Underwriting and appraisal
The lender verifies your file and the home’s value. We handle the back-and-forth and keep you updated.
05
Close and get your keys
Review your Closing Disclosure, sign the final paperwork, and pick up your keys.
Your loan officers
Real people who answer the phone
Every Keystone Lane loan officer is individually licensed. Look any of us up on NMLS Consumer Access.
Reviews
What borrowers say about working with us
Straight answers, clear timelines and no surprises at the closing table.
We had been told no by our bank. Keystone Lane found a program that fit, explained every fee, and we were in our first home eleven weeks later.
Andre P.
First-time buyer · Sample review
Sample reviews shown for illustration. Replace them with verified reviews, and follow the rules of the platform they come from.
Where we lend
Licensed in six states (sample)
We can only originate loans where we’re licensed. Pick your state for local notes, popular programs and the loan officers who serve it.
Guides
Plain-English answers before you apply
Short, practical reads from our loan officers on programs, costs and the closing process.
FAQ
Questions we hear every week
Still curious? Call (555) 014-2290 or send us a note. A loan officer usually replies the same business day.
It depends on the program. VA and USDA loans can allow 0% down for eligible buyers, FHA typically starts at 3.5%, and some conventional loans start at 3%. Your loan officer will show you the options side by side.