Skip to main content
BackGet This Built$299
UnlockYourDreamHome.

Expert mortgage guidance from pre-approval to closing day. We shop 50+ lenders to find you the best rate on conventional, FHA, VA, and jumbo loans.

0B+ Funded
Total Loans Funded
0K+ Families
Homes Financed
0.2% Avg Rate
Current Average
0 BBB
Business Rating
Loan Programs

The Right Loan for Every Situation

From first-time buyers to seasoned investors, we match you with the perfect mortgage product.

Conventional Loans

Traditional mortgage financing with competitive rates, flexible terms from 10 to 30 years, and as little as 3% down for qualified buyers.

FHA Loans

Government-backed loans with lower credit score requirements, down payments as low as 3.5%, and more flexible debt-to-income ratios.

VA Loans

Zero down payment loans exclusively for veterans, active military, and eligible spouses with no private mortgage insurance required.

Jumbo Loans

Financing for luxury properties and high-value homes exceeding conforming loan limits, with competitive rates and personalized terms.

Refinancing

Lower your monthly payment, shorten your loan term, or tap into your home equity with our streamlined refinancing process.

Pre-Approval

Get pre-approved in as little as 24 hours. Show sellers you are a serious buyer with a verified pre-approval letter in hand.

Who We Serve

Tailored for Every Buyer

No matter where you are in your homebuying journey, HomeKey Mortgage has the program for you.

First-Time Buyers

  • Down payment assistance programs
  • Step-by-step guidance
  • First-time buyer education
  • Special rate programs

Move-Up Buyers

  • Bridge loan options
  • Sell-before-you-buy programs
  • Equity leverage strategies
  • Competitive upgrade rates

Veterans & Military

  • Zero down payment VA loans
  • No PMI requirement
  • Relaxed credit guidelines
  • VA streamline refinancing

Real Estate Investors

  • Investment property financing
  • Portfolio loan programs
  • Cash-out refinancing
  • Multi-unit property loans
Why HomeKey

Your Mortgage Advantage

We fight for the best rate so you do not have to. Here is what sets us apart.

Fast Pre-Approval

Get pre-approved in as little as 24 hours with our streamlined digital application process.

50+ Lenders

We shop your loan across 50+ wholesale lenders to find you the absolute best rate available.

Transparent Process

Real-time loan tracking, no hidden fees, and a dedicated loan officer from application to closing.

A+ BBB Rating

Accredited with the Better Business Bureau with an A+ rating and thousands of 5-star reviews.

Client Stories

15,000+ Families Served

See why homebuyers trust HomeKey Mortgage to find them the best deal.

“HomeKey got us a rate 0.5% lower than our bank offered. They shopped 12 different lenders and saved us over $40,000 over the life of our loan.”

M
Michael & Sarah P.
First-Time Homebuyers

“As a veteran, I was amazed at how smooth the VA loan process was. Zero down payment, no PMI, and we closed in just 28 days.”

S
Sgt. James R.
VA Loan Borrower

“I refinanced my home and lowered my payment by $450 per month. The HomeKey team handled everything and I barely had to lift a finger.”

P
Patricia W.
Refinance Client
FAQ

Common Questions

Everything you need to know about the mortgage process with HomeKey.

Down payment requirements vary by loan type. Conventional loans require as little as 3% down, FHA loans 3.5%, and VA loans offer zero down payment. We also connect you with down payment assistance programs that can cover some or all of your down payment. Many of our first-time buyers put less than 5% down.
Minimum credit scores vary by loan program. Conventional loans typically require 620+, FHA loans 580+ (or 500 with 10% down), and VA loans have no official minimum but most lenders require 580+. If your score needs work, our team can provide a roadmap to improve it before you apply.
Our average closing time is 30 days from application to keys in hand. Pre-approval takes 24 hours. The full process includes application, processing, underwriting, and closing. Rush closings in 21 days are available for certain loan types. We keep you updated at every step through our online portal.
Typical closing costs range from 2-5% of the loan amount and include origination fees, appraisal, title insurance, and escrow. We provide a detailed Loan Estimate within 3 days of application with all costs itemized. HomeKey charges no application fee and no junk fees — ever.
Absolutely. Pre-approval is essential in competitive markets. It shows sellers you are a serious, qualified buyer and can give you an edge in multiple offer situations. Our pre-approval letters are fully underwritten, meaning they carry more weight than basic pre-qualifications from other lenders.
As a mortgage broker, we have relationships with 50+ wholesale lenders. We submit your profile to multiple lenders simultaneously and compare their offers side by side. This competition between lenders ensures you get the absolute best rate and terms available for your specific financial situation.
Get Started

Get Pre-Approved Today

Fill out the form below and a loan officer will contact you within 24 hours with your personalized rate options.

No obligation. No impact to your credit score. Results in 24 hours.

Your Dream Home Awaits

Stop renting. Stop waiting. Let HomeKey Mortgage find you the best rate and guide you from pre-approval to closing day.

Direct Download Available

Want the source code for this landing page?

Get the full Next.js + Tailwind project, optimized for speed and conversions. Deploy your own version in minutes.

Pay via PayPal
Instant Access
100% Performance