Business Details
20 Years
experience
Your Trusted Mortgage Partner in Knoxville & Sarasota
Founded in 2006, Keystone Mortgage was established to address the lack of knowledgeable and customer-focused mortgage services in Tennessee and Florida. Our mission has always been to provide personalized, transparent guidance through the complex mortgage process. With over 17 years of continuous growth, weve built a reputation as a trusted ally in homeownership, prioritizing client education and tailored solutions. Our teams expertise spans conventional, FHA, USDA, VA, and jumbo loans, ensuring we meet diverse financial needs.Recognized on the Inc 5000 list in 2021 and 2022, our success stems from an unwavering commitment to exceptional service. We operate with flexible hours to accommodate clients schedules, focusing exclusively on home mortgages to deliver specialized support. Our goal remains unchanged: to transform the mortgage experience by treating every client as a partner, not a transaction.
Services
Conventional Loans
FHA Loans
USDA Loans
VA Loans
Jumbo Loans
First-Time Home Buyer Programs
Details
- Year established: 2006
Highlights and features
- We have over 17 years of experience in mortgage services.
- Our team provides flexible hours to accommodate client needs.
- We are listed on Inc 5000 as one of America's fastest-growing companies.
- We focus solely on home mortgages, not banks.
- Our process includes personalized credit analysis and pre-qualification.
Associations and certifications
- Inc 5000
What people say
Personalized service
Expert guidance
Successful approvals
Flexible hours
Transparent process
Services
Conventional Loans
Conventional loans offer competitive rates for borrowers with strong credit and stable income. These mortgages are ideal for purchasing or refinancing primary residences, investment properties, or second homes. Our team helps clients navigate loan terms, down payments, and eligibility requirements to find the best fit.
FHA Loans
FHA loans provide low down payment options for first-time homebuyers and those with moderate credit histories. We guide clients through FHA requirements, including mortgage insurance and property standards, ensuring a smooth approval process tailored to their financial situation.
USDA Loans
USDA loans offer zero-down payment options for eligible buyers in rural areas. Our experts verify eligibility, assist with application paperwork, and ensure compliance with USDA guidelines to help clients achieve affordable homeownership in qualifying regions.
VA Loans
VA loans provide exclusive benefits for veterans and active-duty personnel, including no down payment and reduced fees. We specialize in verifying service eligibility, processing applications, and maximizing benefits for those who have served our country.
Jumbo Loans
Jumbo loans cater to high-value properties exceeding conventional loan limits. Our team offers customized financing solutions, competitive rates, and thorough guidance on documentation and underwriting standards for luxury or investment properties.
People
Matt Padgett
President
Matt Padgett founded Keystone Mortgage in 2006 after a frustrating personal experience with the mortgage process. With over 17 years of industry expertise, he leads our team in delivering personalized service and advocating for clients' best interests.
Questions
What mortgage services do you offer?
We offer conventional, FHA, USDA, VA, jumbo, and first-time home buyer loans tailored to your financial situation.
How do I get pre-approved for a mortgage?
Contact us for a 5-10 minute consultation, credit check, and income documentation review to secure pre-approval.
What areas do you serve?
We serve Knoxville, TN, and Sarasota, FL, with local expertise in both markets.
What documents are required for a mortgage application?
Required documents include W2s, tax returns, paystubs, bank statements, and ID. Contact us for a full list.
Can you help if I’m not ready to buy soon?
Yes, we provide free consultations to help you prepare for future homeownership at any stage.
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