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Home Loan Services
Tailored to You

At Keys & Nest, we offer more than just loans, we provide trusted guidance through every step of the mortgage process. Whether you’re a first-time buyer, refinancing, or planning for the future, we’re here to make the journey clear and stress-free.

Purchase
Loans

Buying your first or next home? We’ll guide you through it from start to keys in hand.

Refinancing &
Divorce Loans

Whether you’re refinancing to lower your rate or navigating a life transition, we’re here to help you move forward with clarity.

Home Equity
Loans

Use your home’s value to fund renovations, consolidate debt, or meet other financial goals.

Reverse
Mortgages

For homeowners 62+, this can be a smart way to access equity without selling your home.

Second/Vacation Home Loans

Looking for a weekend getaway or future retirement spot? We’ll help you finance it with ease.

Investment Property Loans

Ready to grow your portfolio? We provide guidance for rental, flip, or multi-unit financing.

Ready to Start Your Loan Application?

Take the first step toward homeownership with our secure online application. It’s quick, easy, and helps us get started on finding the right loan for you.

Apply with Anna
Apply with Lynda

Not sure who to apply with? Reach out and we’ll guide you!

Your Step-by-Step Mortgage Journey

Pre-Approval​​

Before house hunting, most buyers get pre-approved. This gives you a clear idea of:

  • How much you can afford
  • What your estimated monthly payments will be
  • What loan programs you qualify for
    • You’ll provide income, asset, and credit information so the lender can give you a letter stating your pre-approved amount.

    Loan Application​

    Once you’ve made an offer on a home and it’s accepted, the full mortgage application begins. You’ll submit:

  • Pay stubs, W-2s, and tax returns
  • Bank statements
  • Employment verification
  • Credit information
    • Your lender will help you choose the best loan type (conventional, FHA, VA, etc.).

    Loan Processing

    During this phase:

  • The lender orders an appraisal of the property
  • Your documentation is verified
  • Title search and insurance are handled
    • Don’t make big purchases or open new credit—lenders monitor credit activity!

    Underwriting​

    This is when your loan is reviewed in detail. The underwriter checks:

  • Your ability to repay
  • The property’s value and condition
  • Risk factors
    • They might ask for additional documents or letters of explanation.

    Final Approval & Closing Disclosure

    Once approved:

  • You’ll get a Closing Disclosure with final loan terms, costs, and payments
  • You must acknowledge receipt at least 3 days before closing
    • Review it carefully and ask questions if anything seems off.

    Closing Day​

    You’ll:

  • Sign a lot of paperwork
  • Pay your down payment and closing costs (often via wire transfer or cashier’s check)
  • Get your keys!
    • Congrats—you’re officially a homeowner!

    What Our Clients are Saying

    I love Lynda! She’s been so helpful along the way for me to purchasing my first home, a true rock star! Now that I’m looking to purchase my second home, it’s been so great to work with her again, and I can’t wait to do the process all over again. Lynda makes the long arduous process of house buying a real pleasure and I can rest easy at night knowing that she really knows the ins and outs of the business! I really feel like I can rely on her to answer any question I might have or help guide me in the right direction.
    Clint K.
    Anna is an amazing loan agent. She is so responsive, attentive to detail, easy to talk to, and an expert in what she does. She made the loan process from pre-approval to signing easy for me as a first time home buyer connecting me to different people along the way for home insurance, etc. She still follows up with me about interest rates and refinancing options. I highly recommend Stone Castle and Anna Kussmaul to help you through buying a home!
    Marie D.
    Lynda is the best. She always went above and Beyond to help my loans closed quick. She’s very acknowledgeable in her industry. I would highly recommend her to anyone looking for home loans from First time homebuyers to people looking to refinance or even getting information about the market. She has always been there to help even for a simple question.
    Alex B.
    Anna was really quick, honest, and most importantly, for me, was incredibly patient with me being a new homeowner. There were countless questions I had and she spent the time to explain to me what was what and why. She didn’t treat me like a toddler, but as an adult that is new at home buying. I appreciate her kindness, patience, and honesty!
    Emma K.

    Ready to Take the Next Step?

    Now that you know how the process works, let’s talk about your goals. We’re here to guide you through your home loan journey with clarity and care.

    Get Personalized Guidance