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Home > Financial Services > Mortgage Brokers > Keystone Mortgage Emporium, Inc.
Keystone Mortgage Emporium, Inc.
A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan. Mortgage brokers are the middleman between you and the lending institution, which can be a bank, trust company, credit union, Mortgage Corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.
Their staffs are always available to offer you personal, one-on-one help with what many say are one of the biggest decisions you will ever make in your lifetime. Each and every client is handled as an individual with individual needs and expectations. They walk you through the entire mortgage process from application to closing in a way that will make your experience easy and comfortable.
The firm has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual homebuyers. They are full service mortgage brokers with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance to construction lending, and also commercial lending.
They have access to a full range of mortgage sources and all of their lending specialists are dedicated to finding the right loan with the best rates, terms and costs to meet their clients' unique needs. But that's just the beginning of their service. Throughout the lending process they provide regular loan updates and progress reports so clients always know the status of their loan. They also offer a special Mortgage Manager service for those considering refinancing their mortgage.
Company also offers a jumbo mortgage loan that is larger than the limits set by Fannie Mae and Freddie Mac. This limit is reevaluated every January. Since these two agencies will not purchase these types of loans, they usually carry a higher interest rate to enhance their value and marketability to investors.
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