I have owned several homes. I have financed thru bank and mortgage brokers. Hands down, my experience with Keystone was the best. From the moment I walked in the door to the moment I signed my closing docs, I never once felt as if I was simply a paycheck to them. Our purchase was so easy that when it was time to refinance, we used them again. Our refinance was done and closed in 28 days. No out of pocket charges and no issues. My cousin used them with "challenged" credit issues, a few months later, he and his family were in their very own home not having to worry about landlord issues. I would recommend them to anyone at any time for any reason.