Keystone Funding Wholesale

Basic information

QM program

• Conventional
• Home One
• Home Ready
• Home Possible
• FHA
• FHA Streamline
• FHA 203(b)
• VA
• VA IRRRL
• VA High Balance
• VA Jumbo
• USDA
• USDA Streamline

Loss payee

Mortgagee Clause Keystone Funding, Inc. ISAOA/ATIMA 519 S Red Haven Ln Dover, DE 19901 Mortgagee Clause For Pennsylvania Loans Only Keystone Funding Group ISAOA ATIMA 519 S Red Haven Ln Dover, DE 19901

CPL or subordinate clause

Mortgagee Clause Keystone Funding, Inc. ISAOA/ATIMA 519 S Red Haven Ln Dover, DE 19901 Mortgagee Clause For Pennsylvania Loans Only Keystone Funding Group ISAOA ATIMA 519 S Red Haven Ln Dover, DE 19901

Lock policies & fees

Lock policies

Lock extension

.02/day 1st 2 requests .04/day 3rd & 4th (final) request NOTE: lock desk open until 11:59p ET

Relock

expired day 1-30 = worst case + .125 hit expired 31+ days = current market NOTE: lock desk open until 11:59p ET

Lock & Shop

Yes

Lender's niche & overlays

Lender's niche

Our Niche would be our service, the ability to talk to uw, SE income calcs, TBD, quick close w/great pricing & less headaches :)

Keystone funding allow borrower to use future rental income on purchase with no overlay, no lease agreement.

https://keystonebroker.com/rates/

Lender's overlays

FHA - 

https://keystonebroker.com/wp-content/uploads/2026/04/OverlayClarification-Matrix.pdf

VA:
Manual underwriting on non-IRRRL transactions are permitted under the following conditions:

• 660 FICO on purchase & rate/term transactions; 700 for cash-out transactions
• 0 x 30 in the most recent 12 months for all prior mortgages
• Maximum DTI of 45%
• Loan must comply with all VA requirements for manual underwriting
• Include a copy of the AUS Refer/Eligible in the loan file

Lender turn time

Initial underwrite (days)

2

CTC conditions review (days)

1

Initial CD (days)

1

Reviews