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Pre-approval in as fast as 24 hours

Buy Your Dream Home in San Diego

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.

โœ“NMLS Licensed
โœ“San Diego, CA
โ˜…โ˜…โ˜…โ˜…โ˜…4.9/5 from 2,400+ reviews

Why Choose Keypath

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As Low as 3% Down

Conventional loans with minimal down payment

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24-Hour Pre-Approval

Make competitive offers with a pre-approval letter

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60-Day Rate Lock

Lock your rate with no obligation while you shop

REFINANCE SAVINGS CALCULATOR
How Much Could You Save by Refinancing?
Compare your current loan to a new rate and see your potential monthly savings.
Current Loan Balance$320,000
$50K$1.5M
Current Interest Rate7.500%
1%12%
New Rate (Keypath Mortgage)6.688%
1%12%
Remaining Term
Your Potential Monthly Savings
$242/mo
By refinancing with Keypath Mortgage
Current Monthly Payment$2,238
New Monthly Payment$1,996
Annual Savings$2,904
5-Year Savings$14,520
Break-Even Point~14 months
Lock In My Savings
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.

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Conventional Loan

The most popular loan type. Great rates for borrowers with good credit and stable income.

  • โœ“As low as 3% down payment
  • โœ“No upfront mortgage insurance
  • โœ“PMI removable at 20% equity
  • โœ“Fixed and adjustable options
Get a Quote
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FHA Loan

Government-backed loan ideal for first-time buyers or those with less-than-perfect credit.

  • โœ“Only 3.5% down payment
  • โœ“Flexible credit requirements (580+)
  • โœ“Gift funds allowed for down payment
  • โœ“Higher DTI ratios accepted
Get a Quote
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VA Loan

Exclusive benefit for veterans and active-duty military. Zero down payment required.

  • โœ“Zero down payment
  • โœ“No private mortgage insurance
  • โœ“Competitive interest rates
  • โœ“Limited closing costs
Get a Quote

SIMPLE PROCESS

How It Works

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.

Ready to Buy Your Home?

Fill out the form and one of our mortgage specialists will reach out within 24 hours.

โœ“No obligation consultation
โœ“Pre-approval in as fast as 24 hours
โœ“Competitive rates & low fees
โœ“Dedicated 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