Competitive rates, flexible terms, and expert guidance every step of the way. Whether you're a first-time buyer or seasoned homeowner โ we'll find the right loan for you.
Estimates assume ~$4,000 in closing costs. Actual savings may vary. Keypath Mortgage | NMLS #2273319 | Not a commitment to lend. | 4901 Morena Blvd Suite 129, San Diego, CA 92117 | (619) 900-6614
LOAN OPTIONS
Find the Right Home Purchase Loan
We offer a full range of purchase loan products to match your financial situation and homeownership goals.
๐
Conventional Loan
The most popular loan type. Great rates for borrowers with good credit and stable income.
From pre-approval to closing โ we make it simple.
1
Get Pre-Approved
Submit your info online. We'll review your finances and issue a pre-approval letter in as little as 24 hours.
2
Find Your Home
Shop with confidence knowing exactly how much you're approved for. Make strong offers with your letter.
3
Lock Your Rate
Once your offer is accepted, lock in your rate for up to 60 days. We'll guide you through underwriting.
4
Close & Move In
Sign your documents, get the keys, and move into your new home. Congratulations โ you're a homeowner!
50K+
Homes Financed
$12B+
Loans Funded
4.9โ
Customer Rating
48
States Licensed
FAQ
Home Purchase Questions
A general rule is that total monthly housing costs should not exceed 28% of gross monthly income, and total debt payments should stay below 43% DTI. Use our Affordability Estimator to get a personalized estimate based on your income, debts, and down payment.
Pre-qualification is a quick estimate based on self-reported info โ no credit check required. Pre-approval is a thorough review including a credit pull, resulting in a formal letter. We recommend pre-approval before you start shopping.
Conventional loans typically require 620+. FHA loans accept 580+ with 3.5% down. VA loans have no official minimum but most lenders prefer 620+. The higher your score, the better your rate.
Closing costs typically range from 2โ5% of the loan amount and include lender fees, title insurance, appraisal, escrow, and prepaid items. On a $400,000 home expect $8,000โ$20,000. We'll give you a detailed Loan Estimate upfront so there are no surprises.
The typical mortgage process takes 30โ45 days from application to closing. Having your documents ready (pay stubs, tax returns, bank statements, ID) speeds up the process significantly.
Ready to Buy Your Home?
Fill out the form and one of our mortgage specialists will reach out within 24 hours.
โNo obligation consultation
โPre-approval in as fast as 24 hours
โCompetitive rates & low fees
โDedicated loan officer support
Watch this explained
4 Mortgage Red Flags Every First Time Home Buyer MUST Know
Four warning signs that cost first time buyers money, and how to spot them early. Watch on YouTube
How a 1,600 Dollar Purchase Killed an 18,000 Dollar Home Deal
A real example of how one purchase made during underwriting wrecked a closing. Watch on YouTube
You Do Not Need 20% Down to Buy a House
Why the 20 percent rule is one of the biggest myths in real estate, and how waiting to save it can cost more than buying sooner with less down. Watch on YouTube