A quieter, sharper
way to close.
Mike Keys is a Texas Mortgage Loan Originator with Clear Rate Mortgage. His practice is built on three things: communication, creative structure, and respect for the client's time.
Before mortgages, Mike spent years in traditional finance — analyzing capital, structuring deals, and answering to clients who expected clarity, not jargon. That standard follows him into every home loan he touches.
He founded his practice under a single idea: every borrower deserves a lender who answers the phone. Texts on Saturday. Updates before you have to ask. A path forward when the first plan doesn't fit.
That's why his clients tend to be the ones lenders too often overlook — self-employed business owners, real estate investors, first-time buyers who need someone to explain the actual mechanics, and move-up families juggling two closings at once.
Mike is licensed across Texas and works with a full desk of programs: Conventional, FHA, VA, USDA, Bank Statement, DSCR, Non-QM, Down Payment Assistance, and Commercial financing. Different tools for different files — but the same standard for every client.
- First-time buyers
- Move-up buyers
- Real estate investors
- Self-employed borrowers
- Move-down / rightsizing
- Commercial acquisitions
A boutique client experience, backed by a national lending platform.
Every client works directly with Mike Keys and the Close With Keys brand — same phone, same email, same personal attention from application through closing.
Behind that experience is Clear Rate Mortgage. That partnership delivers a broad portfolio of loan solutions, an experienced operations and underwriting team, and the licensing infrastructure to close cleanly across Texas.
The result: the personal service of a boutique practice, with the depth and dependability of an established mortgage company behind it.