Talk to an originator(215) 555-0145Start pre-qualification

NMLS #XXXXXXX · Equal Housing Opportunity

(215) 555-0145Pre-qualify

Loan programs

See all 16 programs

Six purchase programs, each underwritten in our Center City office rather than sold to an out-of-state desk.

Brick front steps of a Philadelphia row homeCompare all purchase programs

Rate and term, cash-out, or a streamline that skips the appraisal. We run the break-even before you apply.

Refinance paperwork being signed at a tableRun the refinance numbers

Second-lien options that leave a low first mortgage rate untouched.

Bright renovated living room with hardwood floorsSee equity options

Qualified on the property, not your tax returns. The reason most of our repeat clients came to us.

Brick multifamily apartment buildingOpen the investor desk
(215) 555-0145

NMLS #XXXXXXX · Equal Housing Opportunity · PA, NJ, DE, MD

Start pre-qualification

Tools and rates

See every tool

Five working calculators. Every figure recomputes as you type, including the full amortization schedule.

Amortization figures and a calculator on a deskOpen the calculator hub

Sample pricing, the points grid with break-even months, and a line-item closing cost sheet.

Planning a home purchase budget at a laptopSee today's sample rates

Who underwrites your file, where we are licensed, and what clients said afterwards.

Keystone Capital Mortgage office meeting roomMeet the lending team
(215) 555-0145

NMLS #XXXXXXX · Equal Housing Opportunity · PA, NJ, DE, MD

Start pre-qualification

Five working tools

Arithmetic you can check, not a lead form

Every calculator here recomputes as you type and shows its working. None of them ask for your email before they answer.

No email requiredRecomputes liveSample rates shown
Mortgage figures and a calculator on a desk

Pick the question you are actually asking

Four reference pages that do the same job

  • PMI removal timeline

    The 80% request date and the 78% automatic date on your own schedule, plus the faster current-value route.

  • Closing cost sheet

    Every line on a $400,000 Philadelphia purchase, grouped into four buckets with the negotiable ones marked.

  • Rate lock and float-down

    What each lock period costs, who pays for an extension, and the one free float-down.

  • Sample rate sheet

    Eleven products with rate, APR and payment, plus the points grid with break-even months.

How to read a result

Three habits that make these numbers useful

  1. Compare total cost over your real holding period, not the monthly payment. A payment $32 lower is not a saving if it cost $2,000 and you sell in year three.
  2. Put the taxes in. In Camden County a 2.68% effective rate on a $398,000 home is $889 a month. That figure decides more approvals than the interest rate does.
  3. Treat the ratio caps as ceilings, not targets. An approval at 45% back-end is still 45% of your income committed before groceries.
A loan officer going through figures with a client

Numbers checked? Let's make it real

Bring the figures you landed on. We will tell you within fifteen minutes whether they survive an underwriter.

Start pre-qualification(215) 555-0145

No application fee. Soft credit pull at pre-qualification. Flat $1,095 origination at closing.

Licensed, approved and audited

  • Equal Housing Opportunity lender
  • In-house underwriting since 2009
  • Licensed in PA, NJ, DE and MD
  • Fannie Mae and Freddie Mac seller-servicer
  • FHA, VA and USDA approved
  • 4.9 from 1,284 closed-file surveys

Sample credentials for a demonstration site. NMLS identifiers are placeholders pending the client's licensing details.

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