Keyrate is a broker, not a bank — one application shops 40+ lenders, and you see the actual side-by-side rate sheet, including lender credits and our compensation. Nothing lives in fine print here.
Rate sheet in 24 hours · Pre-approval in 48 · Average savings vs. first bank quote: 0.375% — about $31k over a 30-year loan
✦ Our compensation is printed on your rate sheet. If a different lender pays us less but saves you more, you see that too.
the quote they walked in with
same loan, shopped
the one they chose
Pre-approval in 48 hours that listing agents actually respect — underwritten, not a form-letter "pre-qual." First-timers get the full FHA/conventional/down-payment-assistance comparison.
Pre-approved in 48 hrsWe run the break-even math first — months to recoup costs vs. your plans for the house. If refinancing doesn't pencil, we say so and set a rate alert instead.
Break-even math up front1099s, bank-statement loans, investors with four properties — the files banks fumble are where a broker with 40 lenders earns the fee.
Bank-statement programs available20 minutes online. One credit pull covers all 40+ lenders — shopping through a broker counts as a single inquiry.
Side-by-side offers with rates, costs, credits, and our comp printed on it. We walk you through it in one call.
Real underwriting, so your offer doesn't wobble in week three. Letter customized per offer price on request, same day.
We chase the appraisal, the conditions, and the title company — you get a Tuesday update every week, even when the update is "all quiet."
"Our bank offered 6.625 like it was a favor. Keyrate's sheet had nine lenders on it and we closed at 6.125 with a credit. Same loan. Twenty minutes of paperwork. $31,000."
Refinance clients · 2026The lender pays us a set percentage, printed on your rate sheet. Because wholesale rates run below retail, the shopped rate usually beats the bank's even after our comp. When borrower-paid comp is cheaper for you instead, the sheet shows both. Transparency is the product.
No — mortgage inquiries within a 45-day window count as one pull, and through a broker it literally is one pull covering every lender on your sheet.
Usually faster — wholesale lenders compete on turn times, and our average clear-to-close is 24 days vs. the 30–45 banks quote. The 48-hour underwritten pre-approval is the speed that matters in an offer.
Nobody times this market — but you can set a free rate alert with us: your exact scenario, re-shopped automatically, and we call when it crosses your target. No spam in between; the alert is the whole promise.
One application, 40+ lenders compete, our comp printed on the sheet. Avg. savings 0.375%.
Underwritten pre-approval in 48. One credit pull. NMLS #221408.
Your scenario, re-shopped automatically. We call when it hits your number.
The side-by-side with a plain-English note on each offer.
The one concept that saves borrowers real money.
Case story: same loan, shopped, with the math shown.
48-hour underwrite offer + how agents read the letter.
Alert-triggered only — no weekly rate spam, ever.
See the side-by-side — including what we're paid — before you commit to anything.
Get My Rate Sheet✦ Underwritten pre-approval in 48 hours · NMLS #221408