Mortgage Brokers provide an extremely important service in the field of
finance, including the loan origination, working face to face with the
borrower, pre-qualifying the loan, verifying the credit and property aspects
of the loan and making sure that you, the borrower, are protected in all
areas of the loan.

Then, depending upon the loan program selected by the borrower and other
characteristics of the loan application, the Mortgage Broker selects an
appropriate lender and presents the fully developed loan file for final
approval and funding. Because the lender has no cost in developing the
complete loan file presented by a Mortgage Broker, the Lender gives the
Mortgage Broker what is referred to as a "wholesale price" for the loan. A
qualified and reputable Mortgage Broker such as our company, has a great
number of lenders to which it can send your loan. In some cases the
emphasis is on getting the very best interest rate for an excellent quality
loan client. "Rate leadership" does tend to switch around according to
lenders current "pipelines" of loans and appetites for new loans on a given
day. In these cases we always know which lender has the very best rates at
the time you want to lock your rate. In other cases the emphasis is on
identifying which lender has the right loan program and qualifying criteria
to suit your particular needs. This makes it possible for you, the
borrower, to obtain the very most competitive rate available in the market.

We know that one of the most important factors in every loan transaction is
simply to stay in touch with the borrower. We also know the critical
importance of getting the job done in a timely manner. It is particularly
our excellent track record in these respects that allow us to rely largely
upon referrals sent to us by satisfied borrowers and professional "partners"
such as Realtors, financial planners, and attorneys, to grow our business
over the years. We are committed to earning the respect and confidence of
every single client that we serve. In the 14 years that we have been in
business, we have never had a single complaint filed with either the State
Banking Department or the Better Business Bureau. This excellent record
allows us to confidently guarantee your complete satisfaction with your loan
and our services.

Keystone Residential Lending is a proud member of the National Association
of Mortgage Brokers and the Greater Phoenix Better Business Bureau. These
memberships include a strict adherence to a Code of Ethics and Standards of
Professional Practice, which should help assure you that in working with and
relying upon the services and consultation provided by our company, you can
be confident that you are working with one of the most trustworthy and
ethical mortgage lenders in the industry.