Business Details
20 Years
experience
Your Trusted Mortgage Partner in Knoxville TN
Founded in 2006, Keystone Mortgage was established to address the lack of knowledgeable and customer-centric mortgage services in Tennessee and Florida. Our mission has always been to provide personalized guidance through the complex mortgage process, treating every client as a partner rather than a transaction. With over 17 years of continuous growth, weve built a reputation as a trusted ally in homeownership, combining local expertise with a commitment to exceptional service. Our team of professionals prioritizes transparency, education, and tailored solutions to help clients achieve their financial goals.Recognized as one of Americas fastest-growing private companies by Inc 5000 in 2021 and 2022, we maintain a client-first approach that emphasizes flexibility, expertise, and community connection. By focusing exclusively on home mortgages, we deliver specialized knowledge that empowers clients to make informed decisions. Our dedication to growth extends beyond business metricswe strive to improve our clients financial well-being through every interaction.
Services
Mortgage Loans
Refinancing
Conventional Loans
FHA Loans
USDA Loans
VA Loans
Pre-Approval Services
First-Time Homebuyer Programs
Details
- Year established: 2006
Highlights and features
- We have over 17 years of experience helping Tennessee and Florida families achieve homeownership.
- Our team provides personalized mortgage guidance tailored to individual financial situations.
- Flexible hours accommodate client needs during the home-buying process.
- We specialize exclusively in home mortgages, ensuring deep expertise in our field.
- Recognized as one of Americas fastest-growing private companies by Inc 5000 in 2021 and 2022.
Associations and certifications
- Inc 5000
What people say
Exceptional service
Personalized approach
Successful mortgage experiences
Knowledgeable team
Flexible hours
Services
Mortgage Loans
Keystone Mortgage offers customized mortgage solutions for primary residences, investment properties, and second homes. Our experienced team helps clients navigate conventional, FHA, USDA, and VA loan options to find the best fit for their financial situation. We provide comprehensive guidance from application through closing, ensuring clients understand every aspect of their mortgage terms and obligations.
Refinancing
Our refinancing services help homeowners reduce monthly payments, shorten loan terms, or access home equity. We evaluate current mortgage terms, credit profiles, and market conditions to determine optimal refinancing strategies. Clients receive personalized analysis of potential savings and guidance through the entire refinance process from application to closing.
Pre-Approval Services
We provide detailed mortgage pre-approvals that strengthen buyers' negotiating positions. The process includes credit evaluation, income verification, and debt-to-income ratio analysis to establish clear borrowing limits. Our pre-approval letters demonstrate financial readiness to sellers while helping clients focus their home search within affordable price ranges.
First-Time Homebuyer Programs
Specialized programs for first-time buyers include down payment assistance options and low-down-payment loan products. Our team explains eligibility requirements, helps gather necessary documentation, and guides clients through program-specific requirements. We focus on making homeownership accessible while ensuring long-term financial sustainability.
USDA Loans
We facilitate USDA Rural Development loans for eligible buyers in designated rural areas. Our specialists explain program benefits, verify property eligibility, and assist with income documentation requirements. These zero-down-payment loans offer competitive rates and favorable terms for qualified applicants seeking affordable homeownership opportunities.
People
Matt Padgett
President
Founder and President of Keystone Mortgage with over 17 years in the mortgage industry. Specializes in guiding clients through complex loan scenarios while maintaining a client-first approach to homeownership.
Paul Eldridge
Experienced mortgage professional with expertise in conventional and government-backed loan programs. Focuses on delivering personalized solutions for diverse client financial situations.
Adam King
Dedicated mortgage specialist with in-depth knowledge of local real estate markets. Provides tailored guidance for first-time buyers and refinancing clients.
Will Conway
Skilled loan officer with experience in jumbo loans and unique property financing. Committed to helping clients achieve homeownership through innovative solutions.
Allie Conway
Client-focused mortgage advisor with expertise in streamlining the loan process for busy professionals and growing families.
Questions
What mortgage services does Keystone Mortgage offer?
We provide conventional, FHA, USDA, VA, jumbo, and first-time homebuyer loans, along with refinancing options tailored to individual financial situations.
How can I get pre-approved for a mortgage?
Start with a 5-10 minute phone call to share basic information, followed by credit checks and income documentation review to determine eligibility.
What documents are required for mortgage applications?
Typically required documents include W2s, tax returns, pay stubs, bank statements, and government-issued ID, with variations based on loan type.
Do you serve areas outside Knoxville and Sarasota?
While our offices are in Knoxville TN and Sarasota FL, we serve clients across Tennessee and Florida with flexible remote consultation options.
How does Keystone Mortgage support first-time homebuyers?
We offer specialized first-time homebuyer programs with down payment assistance options and personalized guidance through the entire mortgage process.
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