Keyvia

The Way Home

At Keyvia Mortgage, we guide you through every step of the home loan process. From first-time buyers to experienced homeowners, our team offers personalized mortgage solutions tailored to your unique financial situation.

Loan Programs

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Locations

Access to a wide range of loan programs, including non-QM and construction loans

Fast pre-approval and transparent, easy-to-understand process

Our Partners

Whether You’re Buying or Refinancing, We’ve Got You Covered

Keyvia Mortgage offers expert guidance for first-time buyers, experienced homeowners, and those looking to refinance their current loan

Purchase a Home

We guide you through every step of buying your dream home, from pre-approval to closing, with programs tailored to your financial situation.

Refinance Your Loan

Looking to lower your rate, reduce your monthly payment, or access cash from your home? We make refinancing simple and stress-free.

Loans We Offer

FHA Loans – Low Down Payment, Easier Approval

FHA (Federal Housing Administration) loans are designed for first-time and moderate-income homebuyers. They allow a low down payment (as little as 3.5%) and are more forgiving of credit challenges, making homeownership more accessible. FHA loans require mortgage insurance, which helps protect lenders and allows you to qualify with lower credit scores.

Conventional Loans – Flexible and Popular Choice

Conventional loans are traditional mortgages not insured by the government. They are ideal for borrowers with strong credit and stable income, offering options for low down payments (as low as 3–5%) or higher down payments to reduce mortgage insurance. Conventional loans are available in fixed-rate or adjustable-rate options and often provide the lowest long-term costs for qualified borrowers.

USDA Loans – No Down Payment for Rural Homes

USDA (United States Department of Agriculture) loans help buyers in eligible rural and suburban areas achieve homeownership. These loans offer 100% financing, meaning no down payment is required, and provide competitive interest rates. USDA loans are a great option for buyers who meet income eligibility limits and want to live in rural or suburban communities.

VA Loans – Home Financing for Veterans and Active Duty

VA (Veterans Affairs) loans are available to veterans, active-duty service members, and eligible spouses. These loans offer no down payment, no private mortgage insurance (PMI), and competitive interest rates. VA loans make homeownership accessible to those who have served, with flexible credit and income requirements.

Utah Housing – State-Backed Programs for Homebuyers

Utah Housing Authority offers programs to help first-time and moderate-income buyers in Utah. Options may include down payment assistance, low-interest mortgages, and special programs for teachers, public service workers, or veterans. These loans are designed to make buying a home more affordable and accessible throughout the state.

Non-QM Loans – Flexible Options for Unique Situations

Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don’t fit traditional mortgage requirements, such as self-employed individuals, investors, or those with non-traditional income sources. These loans use alternative documentation like bank statements or asset-based income verification.

Keyvia Mortgage – Our Loan Process

Pre-Approval

Loan Application

Processing

Underwriting

Conditional Approval

Closing

Post-Closing Support

Keyvia Mortgage – Loan Documentation Needed

Applying for a mortgage requires submitting financial and personal documents so we can verify your income, assets, and credit. Below is a guide to the documentation typically needed, whether you’re a first-time homebuyer, self-employed, or looking for a specialized loan.

Ready to start your mortgage?

Upload your documents securely through our portal and get pre-approved today!”

Frequently Asked Questions

What types of mortgage loans do you offer?

We offer a variety of mortgage products including conventional, FHA, VA, jumbo, construction, refinance, and specialized non-QM loans to meet your unique needs.

Do you work with first-time homebuyers?

Absolutely! We guide first-time buyers through every step — from pre-approval to closing — to make the process simple and stress-free.

Can I get a mortgage if I’m self-employed?

Yes, we have programs designed for self-employed borrowers, including bank statement loans and non-QM options.