Contact BMC Keystone Home Mortgage

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.

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.

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.

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.