WHY CHOOSE US

Our Mission Is To Serve Anyone Looking To Buy A Home In Virginia

Let our experienced team of Mortgage Loan Originators guide you through the home buying process - quickly, efficiently, and confidently.

Step 1: See if you can Get Prequalified

The first step is getting to know the details. How much money do I need? What will my estimated monthly mortgage payments be?

Step 2: Gather Your Information

Purchasing a home is a financial commitment, so we will need to gather last year W2, a current paystub, and any asset accounts such as bank statements, retirement accounts, or stocks/bonds

Step 3: Start Shopping with Your Keystone Prequalification Letter

Now that you have your Keystone Prequalification it is now time to get serious and start housing hunting for the home of your needs.

Step 4: Negotiating Your Purchase Agreement

Once you have found your home, it is time to negotiate the terms of your purchase agreement. Remember, the details matter so it is important to understand your contractual obligations.

Step 5: Formal Loan Application

You are now Under Contract! That means, you have to fulfill the terms and conditions of your agreement, which includes making a formal loan application, locking in your interest rate, ordering appraisal & title work, and much more.

Step 6: Day of Settlement

If you are approved for the loan, you will receive the keys to your new home after signing a few more documents.

Mortgage Pre-Approval

House Shopping

Loan Application

OUR TEAM

The Keystone Team

TIM DINEEN

VP of Mortgage Lending

jENNI MIRZYAYN

President of Finance

Which Mortage is right for you?

Our home loan options include:

FHA Home Loan

Make your home ownership dreams come true with an FHA loan. Featuring flexible credit restrictions and down payment options as low as 3.5%, an FHA loan is a popular type of loan for first-time home buyers.

Conventional Home Loan

Conventional loans are typically offered by private lenders such as banks, credit unions, and mortgage companies. These types of mortgages generally require borrowers to have good to excellent credit scores, lower debt-to-income ratios, and make larger down payments compared to government-backed loans.

VA Home Loan

If you are a veteran or an active-duty service member, a VA loan offers less restrictive credit guidelines and low down payment options for you and your family.

USDA Home Loan

Free up your cash flow with an interest only mortgage. Take advantage of the low monthly payments right off the bat to afford a more expensive home and invest your income elsewhere.

Adjustable Rate Mortgage

Keep your options open with an Adjustable Rate Mortgage (ARM). This type of home loan features an interest rate that changes after a fixed amount of time.

Call: 571-259-3431

Email: tdineen@keystonefunding.com