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Good decisions come from good conversations. That’s why real people are here to walk you through every option, answer every question, and help you move forward with confidence, not confusion.
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powered by Edge Home Finance

Your goals, your options

Whatever you’re planning next, whether it’s buying, refinancing, renovating or investing, we’ll help you choose the loan that fits your goals best.
Access+
Buy a home with just 3% down and lower monthly costs thanks to reduced mortgage insurance. A more affordable path to ownership.
  • Low Down Payment
AltDoc Advantage
Qualify with asset statements, 1099s, or other documents when your tax returns don’t reflect your full financial picture.
  • Alternative docs
Bankable Path
Use personal or business bank statements to qualify when traditional income docs don’t fit. Built for self-employed borrowers.
  • Self-employed
Cash Reserve
Use a cash-out refinance to access a percentage of your home’s equity for renovations, debt, investing, or goals. Requires qualifying credit.
  • Access home equity
Equal Equity
Use your home equity with a fixed-rate loan and steady payments. Ideal for big expenses or paying off high-interest debt.
  • Large loan amounts
FlexRate ARM
Start with a lower fixed rate for 5, 7, or 10 years then adjust up to twice a year. Ideal if you plan to move soon or refinance later.
  • Immediate savings
FastTrack 15
Pay off your home faster with lower interest costs over time , and flexible down payment options. A smart option for long-term savings.
  • Save on interest
Foundation FHA
Buy a home with just 3.5% down and flexible credit options, ideal for first-time buyers or anyone needing a more affordable path.
  • Easier access
Golden Stay
Use your home’s equity with a reverse mortgage to boost retirement income without selling or giving up the place you call home.
  • Retirement flexibility
GroundUp Build
Get financing for your custom home or for that big renovation project with a construction loan that fits your goals, timeline, and budget.
  • New construction
HighReach Jumbo
Buy a high-value home with loans over $766,550. Great for home buyers with strong credit, larger balances, and more home equity.
  • Large loan amounts
Horizon Roots
Buy with no down payment in eligible rural and suburban areas. USDA loans offer affordable paths with income and location limits.
  • Rural & suburban
Income Boost
Use rental property cash flow to qualify, not your personal income. Perfect for real estate investors building their portfolio.
  • Rental income
ITIN Access
Buy or refinance a home using your ITIN instead of a Social Security number, with inclusive mortgage options built for accessibility.
  • ITIN accepted
Jumbo Reset
Refinance a jumbo loan over $766,550 to lower your interest rate, reduce monthly payments, or access equity from a high-value property.
  • Large loan amounts
Keyway ONE
Start your path to homeownership with just 1% down. Save money upfront and get support from real people every step of the way.
  • Low Down Payment
LandFirst
Buy land now or in the future with simple financing that is designed for empty lots and land that hasn’t been built on yet.
  • Buy land
Next Line
Open a flexible line of credit using your home equity. Borrow what you need, when you need it. Great for big plans or unexpected expenses.
  • Access home equity
Renewal 203K
Turn a fixer-upper into your dream home with one loan that covers the cost of both buying the home and rennovations.
  • Renovation financing
SteadyPath 30
Enjoy predictable fixed monthly payments for 30 years and a lower down payment with Keyway’s most popular long-term home loan option.
  • Long-term stability
Smart Loan Reset
Reduce your interest rate, pay off your faster, or both with a rate and term refinance (without borrowing more than you need).
  • Better loan terms
Valor VA Loan
Buy with no down payment, competitive rates, and easier credit standards. Built for active service members, veterans, and their families.
  • Veteran benefits
Veteran Rate Relief
Lower your monthly payments or switch to a fixed-rate with a VA IRRRL, with no appraisal, no income check, or upfront costs required.
  • Veteran benefits
Access+
Buy a home with just 3% down and lower monthly costs thanks to reduced mortgage insurance. A more affordable path to ownership.
  • Low Down Payment
FlexRate ARM
Start with a lower fixed rate for 5, 7, or 10 years then adjust up to twice a year. Ideal if you plan to move soon or refinance later.
  • Immediate savings
FastTrack 15
Pay off your home faster with lower interest costs over time , and flexible down payment options. A smart option for long-term savings.
  • Save on interest
Foundation FHA
Buy a home with just 3.5% down and flexible credit options—ideal for first-time buyers or anyone needing a more affordable path.
  • Easier access
HighReach Jumbo
Buy a high-value home with loans over $766,550. Great for home buyers with strong credit, larger balances, and more home equity.
  • Large loan amounts
Horizon Roots
Buy with no down payment in eligible rural and suburban areas. USDA loans offer affordable paths with income and location limits.
  • Rural & suburban
Keyway ONE
Start your path to homeownership with just 1% down. Save money upfront and get support from real people every step of the way.
  • Low Down Payment
Renewal 203K
Turn a fixer-upper into your dream home with one loan that covers the cost of both buying the home and rennovations.
  • Renovation financing
SteadyPath 30
Enjoy predictable fixed monthly payments for 30 years and a lower down payment with Keyway’s most popular long-term home loan option.
  • Long-term stability
Valor VA Loan
Buy with no down payment, competitive rates, and easier credit standards. Built for active service members, veterans, and their families.
  • Veteran benefits
Cash Reserve
Use a cash-out refinance to access a percentage of your home’s equity for renovations, debt, investing, or goals. Requires qualifying credit.
  • Access home equity
Jumbo Reset
Refinance a jumbo loan over $766,550 to lower your interest rate, reduce monthly payments, or access equity from a high-value property.
  • Large loan amounts
Smart Loan Reset
Reduce your interest rate, pay off your faster, or both with a rate and term refinance (without borrowing more than you need).
  • Better loan terms
Veteran Rate Relief
Lower your monthly payments or switch to a fixed-rate with a VA IRRRL, with no appraisal, no income check, or upfront costs required.
  • Veteran benefits
Cash Reserve
Use a cash-out refinance to access a percentage of your home’s equity for renovations, debt, investing, or goals. Requires qualifying credit.
  • Access home equity
Golden Stay
Use your home’s equity with a reverse mortgage to boost retirement income without selling or giving up the place you call home.
  • Retirement flexibility
Jumbo Reset
Refinance a jumbo loan over $766,550 to lower your interest rate, reduce monthly payments, or access equity from a high-value property.
  • Large loan amounts
Next Line
Open a flexible line of credit using your home equity. Borrow what you need, when you need it. Great for big plans or unexpected expenses.
  • Access home equity
Renewal 203K
Turn a fixer-upper into your dream home with one loan that covers the cost of both buying the home and rennovations.
  • Renovation financing
Cash Reserve
Use a cash-out refinance to access a percentage of your home’s equity for renovations, debt, investing, or goals. Requires qualifying credit.
  • Access home equity
Golden Stay
Use your home’s equity with a reverse mortgage to boost retirement income without selling or giving up the place you call home.
  • Retirement flexibility
HighReach Jumbo
Buy a high-value home with loans over $766,550. Great for home buyers with strong credit, larger balances, and more home equity.
  • Large loan amounts
Next Line
Open a flexible line of credit using your home equity. Borrow what you need, when you need it. Great for big plans or unexpected expenses.
  • Access home equity
Jumbo Reset
Refinance a jumbo loan over $766,550 to lower your interest rate, reduce monthly payments, or access equity from a high-value property.
  • Large loan amounts
Renewal 203K
Turn a fixer-upper into your dream home with one loan that covers the cost of both buying the home and rennovations.
  • Renovation financing
Smart Loan Reset
Reduce your interest rate, pay off your faster, or both with a rate and term refinance (without borrowing more than you need).
  • Better loan terms
Veteran Rate Relief
Lower your monthly payments or switch to a fixed-rate with a VA IRRRL, with no appraisal, no income check, or upfront costs required.
  • Veteran benefits
AltDoc Advantage
Qualify with asset statements, 1099s, or other documents when your tax returns don’t reflect your full financial picture.
  • Alternative docs
Bankable Path
Use personal or business bank statements to qualify when traditional income docs don’t fit. Built for self-employed borrowers.
  • Self-employed
Equal Equity
Use your home equity with a fixed-rate loan and steady payments. Ideal for big expenses or paying off high-interest debt.
  • Large loan amounts
GroundUp Build
Get financing for your custom home or for that big renovation project with a construction loan that fits your goals, timeline, and budget.
  • New construction
Income Boost
Use rental property cash flow to qualify, not your personal income. Perfect for real estate investors building their portfolio.
  • Rental income
ITIN Access
Buy or refinance a home using your ITIN instead of a Social Security number, with inclusive mortgage options built for accessibility.
  • ITIN accepted
LandFirst
Buy land now or in the future with simple financing that is designed for empty lots and land that hasn’t been built on yet.
  • Buy land

How to find the right loan for you and yours

Not sure where to start? You don’t need to know all the answers, we’ll help you ask the right questions.
Start your pre-approval online
Answer a few simple questions to see what loans could be a strong match.
Talk to a Keyway mortgage expert
No scripts. No selling. Just a thoughtful conversation about what’s best for you.
Move forward with clarity
We’ll break down what to expect, what’s needed, and what comes next.
Schedule a call
Get started now

Know Where to Begin

You don’t need to have all the answers, just a good place to start.

They're built around your goals, like saving now vs. saving later or renovating. We’ll help you compare.

Yes. Some loans require as little as 1% or 3% down. We’ll walk you through it.

It varies by loan. Some programs are built for flexible credit. We’ll help you understand your options.

Every situation is different, but we’re known for moving quickly, without sacrificing clarity. In many cases we close in as little as 7 days.

Yes, with certain loan types like our 203K renovation option.

Yes, some loan options work for second homes and investments. We’ll guide you through what’s possible.

We take the time to understand your story and find solutions that fit your goals.

Yes. We work with many self-employed clients and know how to navigate the process.

Real Stories from People Who Found the Right Loan

Keyway will work hard for you and get things done...fast. I would give them more than five stars if I could. Evelyn is the BEST!!!
Kim
VA Home Buyer
Evelyn is just a phone call away and knowledgeable. Always very organized and kept a positive attitude.
Frank A.
First-time Home Buyer
Absolutely loved working with Evelyn! Even when I doubted myself, she was positive and didn’t give up.
Marshala B.
First-time Home Buyer
Evelyn is so knowledgeable & was able to help my mother get an outstanding loan for her home.
Peter B.
Mother's Home Refinanced
Evelyn was amazing throughout our entire process! She was always a phone call a way. We highly recommend her services.
SuperMommy89
VA Home Buyer
Evelyn went above and beyond to help me get the loan I needed. The best lender you can ever work with!
Knowledge R.
First-time Home Buyer
Evelyn Morgan found me the best possible rate for my mortgage and explained everything to me.
Brenda H.
Self-employed Home Buyer
Had it not been for Evelyn we would have definitely run away but we didnt' and we love our new home.
Michael S.
First-time Home Buyer

Explore your loan options and take the next step

Chat with us
Schedule a call
Unlock the better way to buy, own, and invest.
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© 2025 Keyway Lending, LLC. All rights reserved.
Keyway Lending, LLC is an independent mortgage broker operating under the license and supervision of Edge Home Finance Corporation, NMLS #891464. All loans are arranged through Edge Home Finance Corporation, a licensed mortgage broker. Keyway Lending is not a direct lender. 

This is not a commitment to lend. All loans are subject to credit approval, underwriting, and property appraisal. Terms and conditions are subject to change without notice. Not all applicants will qualify.

Edge Home Finance Corporation is an Equal Housing Lender. We do not discriminate based on race, color, religion, national origin, sex, marital status, age, handicap, familial status, or source of income, in accordance with the Equal Credit Opportunity Act and Fair Housing Act.
NMLS Consumer Access
¹Closing times may vary based on individual loan and borrower circumstances. Not all loans will qualify for 7-day closings. Additional conditions or restrictions may apply.

²Rate lock and commitment letter subject to underwriting approval and may vary by loan program, borrower eligibility, and documentation provided.

³One-day commitment timing is dependent on receipt of all required documentation and may not be available in all cases.

⁴Calculations are estimates only and do not constitute a loan offer or rate quote. Actual rates and payments may vary. Please contact us for a personalized estimate.

⁵Loan program availability and terms vary by lender, borrower eligibility, loan type, and property location. Not all applicants will qualify. VA, FHA, USDA, and 203(k) loans are subject to federal guidelines and specific eligibility requirements. Reverse mortgages are available to homeowners age 62 and older and may affect home equity and heirs’ inheritance. Consult with a licensed loan officer for full program details.