Helping Texas Realtors Close More Deals.
At Close With Keys, we believe the best lender isn't just the one with competitive financing — it's the one who communicates, solves problems, and helps create a smooth experience for your clients. Whether you're working with first-time buyers, move-up buyers, investors, or self-employed borrowers, we're here to support your business every step of the way.
A lender your clients — and your reputation — deserve.
Responsive Communication
Phone, text, email — quick replies during the moments that matter.
Weekend Availability
Offers don't wait for Monday. Neither do we.
Clear Expectations
You and your buyer always know the next step and the timeline.
Fast Pre-Approvals
Underwriter-reviewed pre-approvals that hold weight with listing agents.
Diverse Loan Solutions
Conventional, FHA, VA, USDA, Jumbo, DSCR, Bank Statement, Non-QM, DPA, Commercial.
Creative Financing Strategies
Structure around the file when the standard box doesn't fit.
Consistent Status Updates
Regular, proactive updates — no chasing, no surprises.
Professional Borrower Experience
Your client feels taken care of. Your referral relationship stays strong.
Loan programs that help more clients qualify.
Every card links to a full program page you can share directly with your buyer.
Conventional
The classic path to ownership — flexible, fast, and competitive.
FHA Loans
Low down payment, forgiving credit — ideal for first-time buyers.
VA Loans
Earned by service. Zero down, no PMI, exceptional terms.
USDA Loans
100% financing for eligible rural and suburban Texas homes.
Jumbo Loans
High-balance financing for Texas luxury and premium markets.
Bank Statement Loans
Qualify on deposits — built for self-employed Texans.
DSCR Loans
Qualify on the property's income. Grow a portfolio without W-2s.
Investment Property Loans
Purchase and portfolio strategies for Texas real estate investors.
Non-QM Loans
Creative structures for borrowers outside the traditional box.
Down Payment Assistance
Programs that help Texans get to the closing table sooner.
Commercial Financing
Multifamily, mixed-use, and commercial acquisitions across Texas.
Refinance
Lower your rate, shorten your term, or restructure the loan you already have.
Cash-Out Refinance
Tap Texas home equity for renovations, debt payoff, or investment.
Resources built to help you win the client.
Downloadable guides, checklists, and calculators you can share with buyers or use in your own consultations. New resources added regularly.
Buyer Timeline
Week-by-week roadmap from application to closing day.
RequestMortgage Process Guide
The full journey — pre-approval through funding — explained simply.
RequestLoan Comparison Chart
Side-by-side view of Conventional, FHA, VA, USDA, Jumbo, DSCR, and Bank Statement.
RequestFinancing Contingency Guide
How to write and manage the financing contingency with confidence.
RequestClosing Cost Guide
What buyers can expect at the closing table in Texas.
RequestMortgage Calculator
Payment, affordability, refi, DTI, rent vs. buy, and down payment.
OpenOpen House Checklist
A polished handout your buyers can take from every showing.
RequestBuyer Consultation Worksheet
Structured intake to align on budget, timeline, and priorities.
RequestWeekly Market Updates
Rate movement and Texas market color, delivered weekly.
RequestTexas Homebuyer's Guide
The definitive first-time buyer resource for Texas.
OpenFAQ
200+ mortgage questions answered.
OpenBlog
Long-form articles on programs, strategy, and market trends.
OpenEvery step. Every update.
- 1
Pre-Approval
Underwriter-reviewed pre-approval within 24–48 hours. You and your buyer get a letter that means something.
- 2
Offer Accepted
Immediate outreach to the listing agent. Your buyer's file starts processing the same day.
- 3
Loan Processing
Documents collected, appraisal ordered, title opened — with weekly status calls.
- 4
Conditional Approval
Underwriter conditions itemized and communicated. Nothing sits without a plan.
- 5
Clear to Close
CD reviewed, wire instructions confirmed, closing scheduled. You'll hear it first.
- 6
Closing Day
At the table with your buyer. Handshakes, keys, and a partner ready for the next referral.
Frequently asked Realtor questions.
How quickly can buyers get pre-approved?
Most pre-approvals are underwriter-reviewed within 24–48 business hours once documents are received. Rush files can be faster when needed for a competing offer.
Can you help self-employed borrowers?
Yes. Bank Statement and Non-QM programs let self-employed Texans qualify on deposits or asset depletion instead of tax returns — often unlocking meaningfully higher loan amounts.
Do you offer weekend availability?
Yes. Offers, questions, and pre-approval letters don't wait for Monday. Text and phone are the fastest weekend channels.
What loan programs do you offer?
Conventional, FHA, VA, USDA, Jumbo, DSCR, Bank Statement, Non-QM, Investment Property, Down Payment Assistance, Commercial, Refinance, and Cash-Out Refinance.
Can you help first-time buyers?
Absolutely. First-time buyer strategy — including FHA, Conventional 3%, and Texas DPA programs — is a core focus.
How often do you send updates?
Weekly milestone updates by default, and immediately for any material change. You'll never wonder where a file stands.
Can you help investors?
Yes. DSCR, Non-QM, and portfolio strategies help Texas investors scale — qualifying on the property's income rather than personal DTI.
Can you help with commercial financing?
Yes. Multifamily, mixed-use, and commercial acquisitions are supported statewide through our commercial channel.
Become a Preferred Realtor Partner.
Coffee, lunch & learn, or a straight conversation about how we can support your business. Whatever works for you — send a note and we'll take it from there.
Programs, calculators, guides, and Texas market pages — all in one place.