We Look at Situations, Not only Numbers!

For over 15 years, Keypoint Mortgage has been meeting the needs of the communities where we do business by providing a simple, straight-forward home financing experience.  Being one of the largest discount mortgage brokers in the state of NJ, we’ve saved our clients over a billion dollars.

How can we help you?

Purchasing A Home?   Refinancing A Home?
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Customized Loans

We listen to your specific needs, assess which of several loan options may be best to help you, and with the use of leading technology, we personalize several mortgage options for you in real-time. Count on us to offer the very best rates and options for your needs.

Faster Service

Our technology allows us to pre-qualify you for a loan within an hour after we speak with you and provide you secure access to upload your mortgage documents to us. This enables us to close loans in as quickly as 15 days. That’s the Speed of Keypoint Mortgage LLC!

Personal Attention

You deserve great personal service. You’ll have a dedicated Mortgage Professional at your side every step of the way to make the process smooth for you and answer all your questions. We invite you to read what our customers say about their Keypoint Mortgage experience.

I was very impressed with the level of professionalism and the personal attention I received. Purchasing a home is a very intimidating process. Your first home can be especially onerous as the process is brand new and you feel vulnerable exposing your financial life to strangers. I needn't have worried. The staff at Keypoint Mortgage was extremely professional and a gentleman at every stage of my mortgage process. I always felt that things were going smoothly because they kept me apprised on a regular basis. I only hope everyone has as positive an experience as I had."

Vincent K.Jersey City, New Jersey

My experience with Keyport Mortage LLC was spectacular! I have recommend everyone at Keyport Mortgage to all of my friends, family and coworkers. What I love most of my experience was the dedication and how hardworking your staff is. There was nothing I did not like.

Emeri M.Long Branch, New Jersey

I went to Keypoint Mortgage who came highly referred to me. I quickly found out why they were so well spoken of. Keypoint mortgage team were thoroughly professional, guided me through the entire refinance process and saved me a LOT more money than I thought I would save by refinancing. The whole process was relatively quick and the most important thing was that they kept me in the loop at all steps of the process. They provided me status updates at all times… something that I had never had from past lenders. I never had to call in and ask about status, the loan officer working on my file either called or emailed me. These are the things I look for in a person who is handling a big transaction.They did not just meet my expectations, they hit them out of the ballpark and exceeded them on every level. I have sent Keypoint Mortgage a few referrals since and each one of them shares the same sentiment. Thank you, Carlos and Keypoint Mortgage!

Justin P.Union, New Jersey

I worked with Carlos Figueira, He was extremely fast and efficient. He doesn't tell you things until he has real answers.

Cathy M.Montague, New Jersey

Keypoint Mortgage was terrific, fast and most importantly they would take their time to meet me and explain every single step throughout the process. Was great experience working with them.

Patrick M.West Orange, New Jersey

I had a great experience working with Carlos Figueira. He helped me in every way possible. I will be referring all my friends and family to Keypoint Mortgage. Carlos just keep doing what your doing!

Decoda R.Plainfield, New Jersey

I just purchased a home in Hillside, NJ and i was referred to Carlos Figueira by my Realtor. What i really liked was the fact that i communicated with only one person. I also found the relationship to be more personal and not business as usual. Carlos came through on everything he stated that he could do. If you are honest about your income and debts, everything will work in your favor if you stick with Carlos. I will refer Carlos Figueira at Keypoint Mortgage.

Hanniyyah H.Hillside, New Jersey

I loved my experience with Keypoint Mortgage. They worked with me and advised me on the things I needed to do to get approved. they also said I would be in a home before the summer ends and they were right. I must say I went through a few lenders but all they said to me was I can’t help you but Keypoint Mortgage did the opposite.

Margaret O.Irvington, New Jersey

Great quality service comes with knowledge of the Mortgage process and an eagerness to get the job done. I would easily recommend Keypoint for any first time or experienced buyers.

Jay C.Verona, New Jersey

I had such a great experience with Keypoint Mortgage LLC. I highly recommend their service. The loan officers are very attentive, honest, and they went above and beyond to provide me the best quality of work.

Helton D.Clark, New Jersey

Carlos assisted my parents with a new home purchase recently & was extremely helpful & knowledgeable. He kept everyone up to date along the whole way up until keys were in hand. Having someone with his experience guide them through such a large financial purchase helped keep them at ease. i have also worked with Carlos Figueira previously with our first home purchase. Will be recommending Carlos & his team to friends & family.

Veronica C.Iselin, New Jersey

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Website authorization by the New York State Department of Financial Services is pending. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site

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    Our Mortgage Professionals pride themselves on listening to your specific needs so they can customize the best loan solutions for you. After all, no two people or financial situations are alike! There are many options available to you:

    • Lower your interest rate
    • Lower your monthly payment
    • Take out cash
    • Shorten your term & save interest
    • Less-than-perfect credit OK
    • Lower equity required for refinancing
    • Flexible down payment options
    • Your down payment can be a gift
    • Lower your payment and/or shorten your term
    • Little or no equity needed to qualify
    • More lenient underwriting
    • In most cases, no appraisal needed
    • Get same-day pre-qualification letter, free
    • Many loan types and terms available
    • Access to bank-owned homes for sale
    • Flexible financing solutions for home purchase
    • Close your loan ON TIME, ON SCHEDULE
    • No down payment required
    • No mortgage insurance required
    • No minimum credit score
    • Lower closing costs
    • Dramatically improve your monthly cash flow
    • Lower your monthly debt obligation payments

    About You

    Property & Loan Information

    Current Information

    Website authorization by the New York State Department of Financial Services is pending. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site

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      Licensed by the NJ Department of Banking and Insurance. NMLS# 298422 Branch #984988