One application. Fourteen lenders competing for it.
We're an independent mortgage broker in Franklin, Tennessee. Instead of one bank's rate sheet, you get a side-by-side of wholesale offers, explained in plain English.
- Avg. pre-approval
- 1 business day
- Wholesale lenders
- 14 partners
- Families helped
- 2,300+
More programs
Conventional, FHA, VA, USDA, jumbo and bank-statement loans under one roof.
Wholesale pricing
Lenders compete for brokered loans, which often means sharper pricing than retail.
One loan officer
The same person from first call to closing table, reachable by text.
Compare loan programs side by side.
Pick the situation that sounds like you. We'll highlight the programs that usually fit, then confirm with your actual numbers.
| Conventional | FHA | VA | USDA | Jumbo | |
|---|---|---|---|---|---|
| Minimum down | 3% | 3.5% | 0% for eligible borrowers | 0% in eligible areas | Usually 10–20% |
| Typical min. credit | 620 | 580 | Lender-set, often 580–620 | Often 640 | Often 700+ |
| Mortgage insurance | PMI under 20% down, removable | Upfront + annual MIP | None; one-time funding fee | Upfront + annual guarantee fee | Varies by lender |
| Best for | Solid credit, any price point | Rebuilding credit, smaller down | Veterans, active duty, surviving spouses | Moderate income, eligible locations | Loans above the conforming limit |
Buying your first home, without the guesswork.
Most first-time buyers we meet have saved less than 20% and assume that means waiting. Usually it doesn't. We'll show you what different down payments actually cost per month.
- Down payment assistance programs in Tennessee and Georgia
- Plain-English loan estimate review before you commit
- Pre-approval letters updated the same day you make an offer
From first call to keys.
Discovery call
Fifteen minutes on goals, budget and timeline.
Pre-approval
We review credit, income and assets, then issue your letter.
Compare offers
Once under contract, we shop lenders and show you the options.
Underwriting
We handle appraisal, title and conditions, with weekly updates.
Closing
Review your final numbers three days ahead, then sign.
"Our bank quoted one option. Keystoneway came back with four, laid out on a single page, and explained why the second-cheapest was actually the better deal for us."
Sample client stories and figures for demonstration. Individual results vary.
Questions we hear every week.
Can't find yours? Text us at (555) 013-6400.
A bank lends its own money on its own terms. As a broker, we work with multiple wholesale lenders and compare their programs and pricing for your situation. We're paid by the lender or by you, and that compensation is disclosed on your Loan Estimate.
We pull credit once, and multiple mortgage inquiries within a short window are typically treated as a single inquiry by scoring models. The impact is usually small and temporary.
Some programs allow 0–3.5% down for eligible borrowers. You'll also need funds for closing costs, often 2–5% of the price, though sellers or assistance programs can sometimes cover part of that.
Yes, once you're under contract we can lock with the lender we choose together. Locks typically last 30–60 days.
Yes. Beyond tax-return-based loans, some lenders offer bank-statement programs. Those usually carry different pricing, and we'll show you the trade-off.
Know what you can afford before you fall for a house.
A pre-approval takes about 20 minutes and makes your offer stronger.