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About Us: BMC Keystone is a licensed mortgage brokerage based in Glenside, Pennsylvania, serving homebuyers and homeowners across Montgomery, Bucks, Chester, Delaware, Berks, and Philadelphia counties. With decades of experience in lending and underwriting, our team is committed to helping clients secure the best mortgage rates and terms available. We combine local expertise with personal service to make the home financing process clear, efficient, and stress-free — whether you’re buying your first home or refinancing an existing one.

Pennsylvania Mortgage Loan Services

The BMC Keystone Difference

When it comes to finding the right mortgage loan, you have many options — from large banks to online lenders. What makes BMC Keystone different is that we’re not a lender; we’re an independent mortgage broker dedicated to helping you secure the best loan, lowest rate, and most favorable terms for your needs.

Our mission is simple:
to create extraordinary mortgage solutions for our clients, provide exceptional service at every stage, and simplify the lending process from application to settlement.

As a client, you can count on us for:

  • Access to lower wholesale loan rates and a variety of loan programs
  • Fast pre-approvals and smooth loan processing
  • Clear communication and quick responses to calls and emails
  • Education and support throughout the mortgage process
  • Personal attention — including attending your settlement in person

With over 30 years of experience in lending, underwriting, and credit counseling, BMC Keystone has earned a reputation as one of Pennsylvania’s most respected mortgage brokers.

Give us a call at (215) 885-4828 and let us find the right loan for you.

We have access to several types of mortgage loans for Pennsylvania for your Purchase or Refinance:

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 loan pre-qualification and pre-approval process as smooth as possible.

  • 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)
  • Assistance with Credit Issues

Get more details on each one by visiting our PA Home Mortgage Loan Programs.

Responsible Lending

BMC Keystone Home Mortgage has always sought out the nation’s most creative and responsible lenders. This enables us to be one of Pennsylvania’s most respected mortgage brokers. In fact, we enjoy a great amount of leverage with our lenders due to the reputation we have earned.

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.

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.