Residential mortgage lending
A home loan handled with the care your home deserves.
Keepsake Loans guides first-time buyers, growing families and homeowners refinancing — with experienced mortgage advisors, honest numbers and a process you can actually follow.
- 4.8 average from 900+ client reviews
- Licensed in 16 states
- 80+ Years of combined lending experience
- 16 States licensed
- 900+ Client reviews
- 4.8★ Average rating out of 5
Who we are
A lending team that treats your loan like it is the only one on the desk.
Keepsake Loans is a residential mortgage lender built around a simple idea: the loan is temporary, but the home is a keepsake. Our mortgage advisors bring decades of combined experience to every file, and our operations team keeps each one moving on a schedule you can see.
We are licensed in 16 states and work with buyers, sellers and real estate partners who value proactive communication, clear numbers and a closing that happens on the day we said it would.
More about KeepsakeLoan programs
The right loan depends on where you are — not on what is easiest to sell.
We offer the full range of residential financing and will show you real numbers on more than one option before you decide.
- 01 Conventional Loans Buyers with established credit and a down payment of 3% or more.
- 02 FHA Loans First-time buyers and anyone rebuilding credit or saving toward a down payment.
- 03 VA Loans Eligible service members, veterans and surviving spouses.
- 04 Jumbo Loans Buyers purchasing homes priced above the conforming limit in their county.
- 05 Down Payment Assistance Buyers who qualify on income and credit but need help with upfront cash.
- 06 Refinance Homeowners looking to lower their rate, drop mortgage insurance, or take cash out.
- 07 Entrepreneur & Business Owner Loans Business owners, 1099 contractors, gig workers, investors and high-net-worth buyers who do not fit the W-2 mold.
How it works
Five steps. No surprises.
From the first conversation to keys in hand, here is what to expect — and what we will be doing on your behalf at every stage.
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01Day 1
Conversation & pre-qualification
A short call to understand your goals, review income and credit, and tell you what you can comfortably afford.
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02Days 2 – 10
Pre-approval & house hunting
We verify your documents up front so your offer carries the weight of a fully underwritten approval.
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03Days 1 – 5 of contract
Offer accepted & loan setup
We lock your rate, order the appraisal, and send disclosures — you will get a clear checklist of exactly what happens next.
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04Days 5 – 20 of contract
Underwriting & approval
An underwriter reviews the full file. Because we prepared it up front, conditions are usually minor and quick.
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05Days 21 – 30 of contract
Closing day
Review your Closing Disclosure with us three days before signing, then get your keys.
Our team
Meet the people who will pick up the phone.
Every Keepsake client works directly with a licensed mortgage advisor and a dedicated operations team — not a call center.
Client reviews
What our clients say after closing.
[SAMPLE REVIEW — replace me.] The entire experience was smooth and problem-free. The team was on top of every detail, communicated constantly, and made a stressful process feel easy.
[SAMPLE REVIEW — replace me.] As first-time buyers we had a hundred questions. Every one was answered the same day, usually with a quick video walking us through the numbers.
[SAMPLE REVIEW — replace me.] We closed a week early. Our agent said it was the most organized lender she had worked with all year.
Ready when you are.
Start with a 20-minute conversation. No obligation, no pressure — just a clear picture of what is possible.