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.
How do I get pre-approved for a mortgage?
You can start online or in person. We’ll review your financial information, credit, and income to give you a realistic pre-approval amount.
What documents do I need to apply?
Typically: ID, proof of income (pay stubs, tax returns, or bank statements), asset statements, and information on debts. We’ll guide you through the exact requirements.
How long does the mortgage approval process take?
Most loans take 30–45 days from application to closing, but some can close faster depending on the loan type and your documentation.
How are your mortgage rates determined?
Rates depend on the loan type, your credit score, down payment, and market conditions. We provide personalized rate quotes after reviewing your profile.
Are there hidden fees?
No — we are transparent. We’ll provide a clear Loan Estimate detailing all costs upfront so there are no surprises.
Are there hidden fees?
Yes, we offer rate lock options to protect you from market fluctuations while your loan is processed.
What is a non-QM mortgage, and do I qualify?
Non-QM loans are designed for borrowers who don’t fit traditional mortgage criteria (self-employed, alternative income, etc.). We’ll evaluate your situation and recommend the right program.
Do you offer construction loans?
Yes, we provide construction-to-permanent and land + build loan options, with guidance for budgeting and draw schedules.
Can I refinance my current mortgage?
Yes, we can help you refinance to lower your rate, reduce your term, or access cash from your home equity.
How long does closing take?
Typically 30–45 days, depending on the loan type and appraisal timelines. We’ll keep you updated every step of the way.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate based on your information. Pre-approval is a formal evaluation, giving you stronger buying power.
How can I contact Keyvia Mortgage if I have questions?
You can call, email, or use our website form — we respond promptly and guide you through the process.