Keystone financed our first home in 1996, our lake house in 2009, and this spring, our daughter's first home. Margaret remembered details about our family that we had forgotten telling her. That is not service; that is a relationship.
Two years running, Keystone reviewed our refinance request and concluded the numbers did not justify the costs. This year they called us — the mathematics had turned. What other lender telephones to give away less business?
Our estate purchase involved a family trust and income across three states. Keystone's lending memorandum anticipated every question our attorney raised — and two he had not thought to ask. Settlement was uneventful, which was precisely the point.
As a first-time buyer I expected to be tolerated. Instead Charlotte walked me through every document, explained the assistance grant that reduced my down payment, and treated my modest loan like a jumbo. I will never bank anywhere else.
Two prior lenders mishandled my Certificate of Eligibility. Mr. Beaumont obtained it in a day, explained the funding fee options in plain terms, and negotiated seller credits. Twenty-two years of service, finally honored properly.
A complicated year — a business sale, a divorce, a new residence. Keystone handled the finances without a single indiscreet question and without my circumstances appearing on any marketing list. Their word is worth something.
They are not the fastest with paperwork portals — expect telephone calls and actual conversation. But every figure they quoted held to the penny at closing, and Mr. Carroway attended our settlement personally. Worth every extra day.
Keystone's rate beat our private bank's offer, which surprised us. Their advice on structuring the loan against our trust — which saved us considerably more than the rate difference — did not surprise us at all.
Begin with a consultation. You will find the conversation unhurried and the counsel candid.
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