Find the Perfect Loan Program for You
Finding a great home loan involves careful consideration of your needs, finances and history. We're here to guide you.
Empowering our clients with tailored mortgage solutions
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Loan Options we Offer
Discover our tailored loan options, designed to fit your unique needs and make your mortgage journey seamless and stress-free.
Conforming Loan
Fixed or variable rate mortgages with predictable payments.
FHA Loan
Government-backed loan with low credit & down payment options.
VA Loan
Exclusive to veterans with no down payment required.
USDA Loan
Affordable financing for rural and suburban homes.
No FICO Score
Loan programs available without traditional credit history.
DPA
Help with lowering or eliminating down payment costs.
203K (Rehab Loan)
Finance a home purchase plus renovations in one loan.
Jumbo & Jumbo VA Loan
Large loan amounts up to $3M for bigger homes
High Balance Loan
Designed for high-value markets above conforming limits.
Second Mortgage
An additional loan taken against your home equity.
Piggy Back Loan
Combine two loans to avoid private mortgage insurance (PMI).
40-Year Terms
Longer repayment period with lower monthly payments.
I/O (Interest Only)
Pay only interest for an initial period, keeping payments lower.
All in One
Combines mortgage and checking account to reduce interest.
BK & FC
Loan programs available after bankruptcy or foreclosure.
Manufactured Home Loans
Financing for manufactured or mobile homes.
HELOC
Access home equity as a flexible credit line.
Reverse Mortgage
Convert home equity into cash for seniors 62+.
Investor Loan
Financing tailored for investment properties.
Non-Warrantable Condo
Loans for condos not meeting conventional guidelines.
Foreign National Loan
Mortgages for non-U.S. citizens or residents.
ITIN Loan
Loans available using Individual Taxpayer Identification Number.
DACA Loan
Programs for recipients under Deferred Action for Childhood Arrivals.
Hard Money Loan
Asset-based financing for short-term needs.
Fix N Flip Loan
Designed for buying, renovating, and reselling properties.
DSCR Loan
Based on rental income instead of personal income.
Commercial Loan
Financing for office, retail, or industrial properties.
Bank Statement Loan
Qualification based on bank deposits, not tax returns.
Bridge Loan
Short-term loan to “bridge” buying and selling timelines.
1-Time Close Construction Loan
Combines land, construction, and permanent financing in one loan.
Renovation Loan
Finances major or minor home improvements.
Church Loan
Financing options for religious institutions.
Land/Lot Loan
Loans for purchasing undeveloped land or lots.
Farm/Ranch Loan
Financing for agricultural properties.
Hobby Farm Loan
For small farms used primarily for lifestyle, not large-scale income.
Doctors Loan
Special financing for medical professionals.
No Income Verification Loan
Qualification without traditional income proof.
Real Experiences. Real Confidence.
Ask for Angelica!! She really made my home buying process a breeze. Truly a professional, I’m recommending her to anyone who wants a smooth process. For first time homebuyers like myself, she really kept everyone concise and clear so I never had to question anything along the process. I’m grateful she was my broker and am looking forward to working with her in the future.
— Jishaun Harris
Angelica is the best! She helped me with purchasing my family our first home 😃 If i had any questions, she was always easy to reach and explained everything clearly. I was a first time home buyer and had alot questions. Im extremely grateful for everything that was done to assist me in getting my house!He was very thorough, and patient in explaining everything in the process. He is also very trustworthy. We will do business with him and West Capital Lending again.
— Noah Parra
This was my first time working with Angelica on the purchase of my second home. She helped to make sure that the loan process went as smoothly as possible. Furthermore, when I needed to amendments done for closing, she had made sure that it was feasible and made the necessary adjustments. She is very professional, kind, compassionate, and does her best to make sure you get the best quote under your specific circumstances.
— Samantha Carter
Angelic did an amazing job for us, she went through on every steps and worked with us to have our house in Savannah. I highly recommended her for the service if you want have a house specially for military and veterans.
— Excel Mbathe
Angelica was amazing. She is very knowledgeable about her products. She is able to guide you through any hiccups you may encounter and does it in a very professional manner. If I am ever in need of these services again she will be the first person I contact
— Dino Detrick
Angelica was great to work with . She help me navigate all the issues i was having. She was able to get me approved for my forever home. I can’t thanks enough for all the hard work and dedication
— Ivan Cruz
Angélica Obregón and her team at Key Mortgages were essential in our homebuying process. Their support every step of the way was crucial, professional, and very efficient. My family and I are extremely grateful for the entire process. We look forward to continuing to count on Key Mortgage as our partner in the future.
— Julian Dario Paredes
Whether you’re buying your first home or your next investment, Key Mortgages is here to make the process smooth, personal, and easy to understand.
NMLS: #2521806
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