Resources
Tools and plain-English guides to help you search, prepare and decide with confidence.
Estimate a monthly payment including taxes, insurance and HOA, and see how the down payment changes the picture.
Run the numbersA step-by-step walkthrough of what happens between your first call and closing day — and what we need from you at each stage.
See the processSearch active listings in the markets we serve, save favorites and get alerts when new homes match your criteria.
Search homesGet a monthly snapshot of your home's estimated value, equity position and refinance opportunities.
Check my home valueSimple, honest guidance on what actually moves your credit score and how to prepare your finances before applying.
Talk to us about creditShort explainers from our mortgage advisors on rates, loan programs and the questions we hear most.
Watch the videosCommon questions
It depends on the program. VA loans allow 0% down for eligible borrowers, FHA requires 3.5%, and conventional loans start at 3% for qualified first-time buyers. Down payment assistance can cover part or all of it in many markets. We will show you real options side by side.
A pre-qualification is an estimate based on the information you give us. A pre-approval means we have verified your income, assets and credit — it is a much stronger signal to sellers, and it is how we prefer to send you house hunting.
A mortgage credit inquiry typically has a very small effect, and multiple mortgage inquiries within a short shopping window are treated as one by the scoring models. We can also do a pre-qualification with a "soft" credit inquiry that does not impact your credit score; however, in some cases it results in less certainty.
Most purchase loans close in 21 to 30 days from an accepted offer. With a fully pre-approved loan with all income and assets validated, we can close in 14 days or less when needed to secure your new home. Refinances usually take a similar amount of time.
Keepsake Loans is licensed in 16 states. See the full list in the footer of any page or on our About page.
Start with a 20-minute conversation. No obligation, no pressure — just a clear picture of what is possible.
