Imagine this - a mortgage consultant who is working for you!- actually working to get the best possible mortgage for you.
Want the lowest rate? - you're offered the "par" rate - the lowest rate that does not require the payment of fees/points to the investor. Want a lower rate? You can buy the rate down even further.
Need help with closing costs? - you're offered the opportunity to take a slightly higher rate. The investor will pay a premium for that higher rate and the premium will be used to reduce or eliminate your costs.
And, throughout the process, you'll be provided with documentary evidence of our commitment to you - from a copy of the lock agreements to updated Good Faith Estimates.
For all of us, buying or refinancing a home is a major financial decision. Fortunately, if it's time for you to make that decision, you can choose from from dozens of mortgage options and hundreds of qualified mortgage brokers and lenders. Like
other lenders & major mortgage brokers we offer you a range of loan products:
Fixed Rates
of 40, 30, 20, 15, and 10 years and some interest only variations.
Hybrid Adjustable Rate Mortgages (ARMs) of 1, 3, 5, 7 and 10 years and interest only variations.
Reverse Mortgages that allow senior home owners (62+) to safely used the equity in their homes.
Multiple Lender Choices including our own bank line as well as dozens of other lenders ensure you receive the lowest rates and the best terms.
Our added value - something more than many of our industry colleagues is our total Commitment to a transaction and relationship focused on Integrity, Transparency, and Candor. It's a big decision; it's your money; and it's your home. You have a right to fair and open treatment. That's why I'm proud to be an UpFront Mortgage Broker ®committed to providing our clients with full and complete compensation and fee information. Please read more about our UpFront Commitment to you here.
Our Reach
- We originate loans in Maryland - MD, Pennsylvania - PA, and Virginia - VA.
No matter what the purpose - You might be buying a new home, a vacation getaway, or an investment property; you might be refinancing your current mortgage to reduce the term of your loan, the rate, or the monthly payments; or you might be tapping into your home equity to pay off high-interest revolving debt, education expenses, or add a new addition to your home. We're here to help with the best program to fit your goals.
Rick Hutchison @ Keystone Funding, Inc. - Integrity Always - We'll give you the personal attention you deserve and treat you with the respect due a valued client. We understand you're making a commitment in buying a new home, refinancing your mortgage, or cashing out some of your home's equity. So we make a commitment to you - we will deal with you in absolute integrity. We will help you qualify, apply and be approved for the right mortgage loan for you!
Please navigate about our website to learn more about residential mortgages, what we can do for you, and how easy it is to get your purchase or refinancing started. Please feel free to call us at any time - (443) 482-5105.
All the Best - Rick Hutchison
INTEGRITY ALWAYS -
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