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Frequently asked questions

Here you’ll find answer to the most common question our users.
What types of mortgage loans do you offer?

We offer a variety of loan options including Conventional, FHA, VA, USDA, Non-QM, and Down Payment Assistance programs. Our goal is to find a mortgage solution that fits your unique needs.

How do I know which type of loan is right for me?

Choosing the right loan depends on several factors like your credit score, down payment, income, and financial goals. Our experienced loan officers can help you assess your situation and recommend the best option for you.

What is the process for applying for a mortgage?

The mortgage application process involves several steps: pre-qualification, loan application, documentation submission, loan processing, and finally closing. We guide you through each step to ensure a smooth experience.

How much down payment do I need?

The required down payment varies depending on the loan type. For instance, conventional loans typically require 5-20%, while FHA loans can go as low as 3.5%. We also offer down payment assistance programs to help make homeownership more accessible.

Can I refinance my existing mortgage?

Yes, refinancing is a great option to consider for lowering your interest rate, reducing monthly payments, or tapping into home equity. We can evaluate your current mortgage and goals to determine if refinancing is right for you.

How long does the loan process take?

On average, the mortgage process takes about 30-45 days from application to closing. However, this timeline can vary based on individual circumstances and the specifics of your loan.

Do you offer assistance for first-time homebuyers?

Absolutely. We have programs specifically designed for first-time buyers, including educational resources and special loan options to help make your first home purchase a success.

Ready to Get Started?

Our team at Keystone Mortgage Solutions is dedicated to providing you with all the information you need to make informed decisions about your mortgage. Don’t hesitate to reach out for more personalized assistance.

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