Business Details
Your Trusted Mortgage Lending Partner
Key City Lending simplifies the mortgage process by combining advanced technology with personalized service from experienced loan officers. We specialize in fixed-rate, adjustable-rate, jumbo, FHA, VA, reverse, and ITIN loans, catering to diverse financial needs. Our team prioritizes transparency, guiding clients through every step to ensure clarity and confidence in achieving homeownership or refinancing goals. With a focus on innovation, we offer online applications and calculators to streamline decision-making. Established to reinvent the lending experience, we deliver tailored solutions for unique financial situations.Our professionals maintain deep industry expertise, ensuring clients receive accurate advice and competitive rates. Committed to integrity, we adhere to strict ethical standards and regulatory compliance. Client satisfaction drives our service, reflected in our prompt communication and dedication to resolving inquiries. Operating across multiple states, we serve both first-time buyers and seasoned investors. Our mission remains clear: to be the trusted partner in unlocking homeownership opportunities through reliable, customer-centric mortgage solutions.
Services
30-Year Fixed Mortgage
15-Year Fixed Mortgage
Adjustable Rate Mortgage
Jumbo Loan
FHA Loan
VA Loan
Reverse Mortgage
ITIN Loan
Highlights and features
- We integrate technology with personalized service for efficient mortgage processing.
- Our loan officers provide tailored solutions for unique financial situations.
- We offer competitive rates across diverse mortgage product lines.
- Our team maintains deep expertise in conforming and non-conforming loan programs.
- We prioritize transparent communication throughout the lending journey.
What people say
Professional and knowledgeable team
Smooth mortgage process
Quick closing timelines
Excellent customer service
Transparent communication
Services
30-Year Fixed Mortgage
A 30-year fixed mortgage offers stable interest rates and predictable monthly payments over the loan term. Ideal for long-term homeowners seeking budget certainty, this loan protects against market fluctuations while allowing prepayment flexibility. Key City Lending provides competitive rates and personalized guidance to help clients secure affordable housing solutions tailored to their financial goals.
Reverse Mortgage
Reverse mortgages enable retirees aged 62+ to convert home equity into tax-free income while retaining property ownership. This solution suits those needing financial flexibility for medical expenses or living costs. Key City Lending ensures compliance with HUD guidelines, offering expert counseling to help seniors make informed decisions about their housing wealth.
Jumbo Loan
Jumbo loans finance high-value properties exceeding conventional loan limits. Available for purchases or refinances up to $3M, these mortgages cater to borrowers with strong credit profiles seeking luxury homes. Key City Lending offers competitive terms, low down payment options, and personalized underwriting for non-conforming loan requirements.
FHA Loan
FHA loans provide accessible homeownership opportunities with low down payments (as little as 3.5%) and flexible credit requirements. Insured by the Federal Housing Administration, these mortgages suit first-time buyers or those with limited savings. Key City Lending streamlines the FHA loan process with expert guidance on eligibility and documentation.
Adjustable Rate Mortgage
Adjustable-rate mortgages feature initial fixed-rate periods (5/1, 7/1, or 10/1) followed by annual rate adjustments. This option benefits borrowers planning shorter ownership terms or anticipating income growth. Key City Lending explains rate caps, payment scenarios, and risk factors to help clients determine if an ARM aligns with their financial strategy.
People
Michael Malyszko
Loan Officer
Michael Malyszko brings extensive mortgage expertise, specializing in reverse mortgages and first-time homebuyer programs. With a focus on personalized service, he guides clients through complex loan processes while maintaining clear communication and ethical standards.
Enea Lako
Mortgage Broker
Enea Lako combines technical knowledge with client-focused service, excelling in competitive rate negotiations and detailed mortgage counseling. His dedication to resolving post-closing issues demonstrates commitment beyond standard lending practices.
Berenice Escalera
Loan Specialist
Berenice Escalera specializes in purchase transactions, delivering efficient closings through meticulous documentation management. Her client testimonials highlight exceptional service quality and process transparency during home acquisition journeys.
Questions
What mortgage types does Key City Lending offer?
We provide fixed-rate, adjustable-rate, jumbo, FHA, VA, reverse, and ITIN loans to meet diverse homeownership needs.
Can I refinance with bad credit?
Our portfolio includes options for borrowers with past financial challenges, including post-bankruptcy or foreclosure scenarios.
How does the reverse mortgage process work?
We guide seniors through HUD-compliant requirements, explaining payment structures and equity conversion mechanics during personalized consultations.
Do you offer online mortgage applications?
Yes, our website features a secure online application system with real-time status tracking and document submission capabilities.
What areas do you serve?
We operate in Illinois, Arizona, California, Florida, and Texas with licensed professionals in multiple states.
