Independent Mortgage Brokers · Raleigh, NC
Keystone is an independent brokerage — we shop dozens of lenders to find your lowest rate on purchase, refinance, FHA, VA, and jumbo loans, and we explain every number in plain English.
Loan Programs
Buying your first home, moving up, or refinancing to a better rate — we match you to the right program and the lender that prices it best.
Conventional and low-down-payment options with a fast pre-approval that makes your offer stand out.
Lower your rate, shorten your term, or tap equity — we run the break-even math so it actually pays off.
Government-backed loans with flexible credit and low or zero down — including dedicated VA support for veterans.
Financing above conforming limits for higher-priced homes, with competitive pricing and common-sense underwriting.
Why Keystone
A bank can only offer its own loans. We're an independent broker — we compare dozens of wholesale lenders, pass on better pricing, and guide you from application to closing without the runaround.
40+
Lenders we shop
$1.4B+
Loans funded
18 days
Average to close
Real Borrowers
“They beat our bank's rate by almost half a point and closed in three weeks. The whole thing was easier than I expected.”
First-Time Buyers · Cary
“We refinanced and dropped our payment by $380 a month. Our loan officer showed us the exact break-even — no pressure, just numbers.”
Refinance · Durham
“As a veteran I used my VA benefit for the first time. Keystone handled the paperwork and got us in with zero down.”
VA Purchase · Raleigh