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Purchase a Home with BMC Keystone

When it comes to buying a home and searching for a mortgage loan, you have many options including going to your local bank, searching for lenders online, or contacting a local lender. What is different about BMC Keystone is that we are not a lender; we are a mortgage broker, dedicated to finding the best loan with the lowest rate for you.

  • Lots of Mortgage Options

    We have access to many mortgage loans including options for first time homebuyers, low money down loans, FHA loans, VA Loans, Conventional, Buy Down Loans, DSCR, Renovation Loans, Second Home Loans, USDA Loans, Fannie or Freddie MAC Programs, Reverse Mortgages, Bank Portfolio Loans and more!

  • Home Loan & Credit Expertise

    We are very familiar with the quirks and requirements of each lender, including Freddie and Fannie, and by following their policies for underwriting, BMC Keystone makes the settlement process as smooth as possible and the pre-qualification and pre-approval process as fast as possible.

  • Personal Service

    With BMC Keystone, you get the competitive rates of the broad market with the attentive service you won't get from the big banks and online lenders. Quick turn around on loan approvals, personal responses to calls and emails, fast resolution to any obstacles that may arise, and we personally attending your settlement.

Request a Free Mortgage Consultation

Contact us to schedule a complimentary mortgage consultation to talk about your options.

  • Know your credit scores and how they affect your rates
  • Review loan options and see if you qualify for any special programs
  • Overcome credit issues so that you can get the lowest possible rate
  • Get a letter of pre-qualification

Request an appointment online or call our office during regular business hours at (215) 885-4828.

LEARN MORE

Let us know what you’d like to discuss so we can be ready with the best options for your situation.

How can we help you get started today?

Explore Loan Options
Get a Rate Quote
Get Pre-Approved Online
Terri Sirriani BMC Keysone Home Mortgage

Terri Sirianni,
Mortgage Advisor

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Franco DAngelo BMC Keystone Home Mortgage

Frank D'Angelo,
Mortgage Advisor

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BMC Keystone helps people all over Pennsylvania find the best mortgage loans.

Andrew S
Andrew S
★★★★★

"Navigating today’s housing market is challenging, but having the right broker makes all the difference. Terri and the BMC team were instrumental in helping us secure our home—on our very first offer. Her deep market knowledge, strategic guidance, and dedication gave us a competitive edge, allowing us to beat out another buyer in a tight race. Terri was a pleasure to work with and made the entire process smooth and informed. I highly recommend BMC for anyone looking to buy with confidence."

Alexandria
Alexandria
★★★★★

"We cannot say enough positive things about Terri and BMC Keystone Mortgage! Terri was such a pleasure to work with and right from the beginning of our home buying process made us feel comfortable and confident! She was extremely knowledgeable and educated us on each step of the process. She made what is usually a very stressful experience easy and stress free! We are grateful for her assistance is buying the home of our dreams and cannot thank her and her team enough! It was such a pleasure working with Terri and we feel so lucky to have worked with her!"

Frequently Asked Questions About Mortgage Loans

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What happens during a free mortgage consultation?

BMC Keystone offers a complimentary mortgage consultation to help you understand your options and prepare with confidence. We can meet in our Glenside office or make it a phone call. During your consultation, we’ll ask about your plans to get a sense of what you need.  Then we’ll talk about:
  • Your credit scores and how they affect your interest rate
  • How much home you can comfortably afford
  • Loan programs and first-time buyer options available in Pennsylvania
  • Simple ways to improve your credit profile
  • How to get a letter of pre-qualification or pre-approval
Schedule your free consultation using our online form or call our Glenside office at (215) 885-4828.
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How do I get pre-approved for a mortgage in Pennsylvania?

First let’s clarify a few terms that borrowers often use interchangeably although they are different.

A mortgage pre-qualification is designed to give you an idea of how much money you can borrow or how much a loan will cost you. It is not a guarantee and there is no commitment from the lender to loan the money. A pre-qualification simply means that upon reviewing the financial information provided, the lender believes you will qualify for a loan. You typically do not have to fill out a full mortgage application (1003) or undergo a hard credit check in order to obtain a pre-qualification.

A mortgage pre-approval, or letter of pre-approval, goes further. It is a lender’s conditional commitment to lend you a specified amount of money. A pre-approval letter is a powerful tool to have on hand for house hunting, allowing you to shop with confidence and show sellers that you are a serious buyer. Your provider will likely have you fill out a mortgage application (1003), or fill in sections of the application, in order to obtain a pre-approval.

To obtain either a pre-qualification or a pre-approval, contact a lender or mortgage broker and explain your needs and where you are in the process. They’ll ask for some financial information, such as income, assets, debts, and credit history along with how much money you plan to borrow.

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How much do I need for a down payment to buy a house?

The amount of money required for a down payment will depend on the type of loan among other factors. Here are some guidelines:

Most buyers need minimum payment between 3–5% down for a conventional loan. But a down payment of less than 20% requires the buyer to pay an additional monthly amount for private mortgage insurance (PMI) which can be cancelled later once 20% equity is reached.

FHA loans require as little as 3.5% down but MIP, a monthly mortgage insurance premium, will apply for the life of the loan or until refinanced into a conventional loan.

VA or USDA loans may allow 0% down and do not require any monthly mortgage insurance.

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How long does it take to close on a home loan?

Typical home loans for a purchase transaction can close in as little as 30 days. However, it may be more realistic to plan for 60 days to deal with any issues that arise during the appraisal and title search. Refinance loans often close a bit faster.

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What types of loans does BMC Keystone offer?

We have access to several types of mortgage loans in Pennsylvania for Purchase or Refinance: 1% down loans Family opportunity mortgage FHA/VA Loans FHA Renovation Loans VA Renovation Loans Conventional Renovation Loans USDA Renovation Loans FHA Streamline Refinance Fannie or Freddie MAC Programs Reverse Mortgages DSCR Loans USDA HomePath Jumbo Loans Bank Portfolio Loans (more favorable rates for lower credit score applicants) We also provide assistance with credit issues.

Frequently Asked Questions About Mortgage Brokers

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Do mortgage rates vary by county in Pennsylvania?

Mortgage rates don’t vary by county, but property taxes, insurance costs, and local loan limits can. A lender or mortgage broker familiar with lending protocols in your county can accurately estimate costs and assure a smooth settlement process.

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Why use a local mortgage broker instead of an online lender?

Unlike banks or online lenders, mortgage brokers aren’t tied to a single institution — they have access to multiple lending sources, including online loans. They also have access to wholesale rates and special programs. This flexibility allows them to shop the entire market to find the best rates and terms for your specific situation while providing personal service from real people, not call centers.

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Does it cost extra money to use the services of a mortgage broker?

No. Working with a mortgage broker doesn’t cost you extra. At BMC Keystone, our compensation comes directly from the lender once your loan closes. Because we take your loan application, gather documentation, and perform much of the underwriting work, the lender pays us for those services. The borrower doesn’t pay a separate fee, and because we have access to wholesale rates from multiple lenders, our clients often secure better terms than they could find on their own.

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What’s the difference between a mortgage broker and a lender?

A mortgage broker shops multiple lenders on your behalf to find the best rates and terms, while a lender offers loans from a single source.