GOTeHomeLoans provides residential mortgage loans in California, Pennsylvania, Virginia, and Maryland, and commercial loans nationwide. GOTeHomeLoans is a “neighborhood” broker, always welcoming the opportunity to meet its clients face-to-face.

GOTeHomeLoans prides itself on its adherence to the ethics of the Upfront Mortgage Broker’s Association, and has built its company around these principles. GOTeHomeLoans goes even further by making a 3-Point Commitment to its clients:

1. We will provide the Absolute Right Loan Product
2. We will provide Fantastic Value Pricing
3. We will provide a Sensational Service Guaranty 

Per the Sensational Service Guaranty, clients of GOTeHomeLoans receive a $250 refund if they are not 100% satisfied with the service. View this 3-Point Commitment and corporate support of UMBA ethics at www.gotehomeloans.com.

Pursuant to the guidelines of the UMBA, GOTeHomeLoans signs, with the borrower, an agreement on the exact amount and type of compensation the loan officer will receive.  Any fees or commissions received on the file in excess of this amount are rebated to the borrower.

Keystone Funding uses top-of-the line industry software to streamline the loan process and create the best experience for our clients. An online application is available to the client on the website for Keystone Funding.

At any time after the loan is registered with the lender, the borrower can choose to lock the rate. The loan officer always confirms loan program, rate and terms, and loan expiration period with our clients. Once the loan is locked, the loan officer provides our clients with documentation of loan program, rate and terms, and expiration period, in writing. Everything is upfront, and Keystone Funding hides nothing from its clients.

Keystone Funding guarantees lender, broker and third-party closing costs on the day that the rate is locked. If, at settlement, any of these costs are higher than those shown on the good faith estimate provided the client at the time the rate lock is confirmed, Keystone Funding will provide a broker credit covering the difference to the client at settlement.

We charge a single origination fee. No other junk or miscellaneous fees. The origination fee varies by risk and complexity of the file. Additionally, we rebate you the full amount of the lender incentive....so the net fee you pay is $0.