Welcome to 8 Flags Home Loans, LLC!

My ultimate goal is to create lasting relationships with each of my clients so that I may continue providing excellent service for many years to come.

I specialize in the following Georgia and Florida Mortgage Loans:

  • Conventional Loans
    • Credit scores of 620 and higher to qualify.
    • Great loans for purchases, refinances and new construction loans.
    • Down payment requirements are 1% to 19% with or without monthly mortgage insurance.  20% + requires no monthly mortgage insurance.
    • 3 year, 5 year, and 7 year adjustable rate mortgages also available.
    • Jumbo Loans
  • FHA Loans
    • Credit scores 580 and higher qualify.
    • Great loan for the first time homebuyer( only 3.5% down payment required) or for refinancing homeowners with limited equity in their homes.
    • Great loan for homes that need repairs and/or updating through the 203-k program ( 640 credit score required)
  • USDA Rural
    • Credit scores of 620 and higher.
    • For purchase loans only (other restrictions apply).
    • Great for first time homebuyers, requires no down payment.
  • VA Loans
    • Credit scores 580 and higher.
    • Only veterans qualify.
    • Great for purchases-no down payment required.
    • Cash out refinancing up to 100% of equity.
  • Reverse Mortgages
    • For Borrowers 62 & over.
    • Great for getting equity out of your home with no payment.
    • You can either take a lump sum of money or set up monthly payments.
  • Non Prime
    • Great for Self employed borrowers, can calculate income from bank statements.
    • credit scores as low as 500.
    • less than 1 year for bankruptcy and foreclosure.

How Can We Help?

Have Questions?

Contact us today!

Featured Recommended Professionals

Homebuyers

We will help you find the right financing solutions to meet your needs.

Today's Rates

We homeowners determine the right time to purchase or to refinance.

Refinance

We can help you lower your interest rate and lower your monthly payment.

Ask an Expert

If you have any mortgage related questions, we have the answers.

What are you waiting for?

Getting started is easy. We offer very competitive rates, have great service, and always close on time.

Local Loan Options

Although I am located in Florida, I offer unparalleled home purchase and refinance service to clients throughout the States of Georgia and Florida!

FHA Loans

Home Refinance Loans

VA Loans

Jumbo Home Loans

Conventional Loans

Home Purchase Loans

What our clients are saying

  • This is the second time I have reached out to Keith for my financial needs. Keith is the best! He is so caring about his clients and is... read more

    Amy Carter Avatar Amy Carter
    January 15, 2021

    Keith was absolutely amazing. He secured our rate much lower than one of the largest US Banks, which saved us a few hundred dollars a month. In addition,... read more

    Ryan Emrie Avatar Ryan Emrie
    January 15, 2022

    Keith is a pleasure to work with.He is personable, as well as efficient.He is always ahead of schedule and very responsive! Any question you have, he replies within the hour.... read more

    cindy leatherbarrow Avatar cindy leatherbarrow
    January 15, 2021

    I have used Keith on several occasions over the last 6 years. Each time the process has been quick and easy. I would highly recommend Keith for new... read more

    Robert Clark Avatar Robert Clark
    January 15, 2021
  • Keith is a great mortgage broker and an even better guy! This is the second time we have worked with Keith and he walked us through the entire process. I... read more

    Jason Paul Avatar Jason Paul
    January 15, 2023

    I worked with Keith from out of state to buy a home in Florida. He was fully accessible and able to answer all my questions....which were many! He gave us... read more

    Jennifer Schoonover Avatar Jennifer Schoonover
    January 15, 2023

    Keith saved Sarah and I from a lender who did not educate us in our experience of trying to buy a house. Keith will educate you, Keith is not looking... read more

    Michael Mills Avatar Michael Mills
    May 15, 2023

    I've worked with Keith on two houses. We own a small business sometimes its hard for people to understand the in and outs of a small business. Keith's group works... read more

    john miller Avatar john miller
    January 15, 2022
  • Keith was a HUGE help to me and my family when it came time to buy our first home!!! Would definitely recommend him to anyone!!

    Larissa Jarrell Avatar Larissa Jarrell
    January 15, 2022

    Keith is a professional that works with speed and accuracy. He tells you the blunt truth and works hard to make it work for you. His transparency and honesty is... read more

    Gregory Gray Avatar Gregory Gray
    January 15, 2022

    Keith was amazing to work with! Very knowledgeable and responsive!! He kept me calm and informed. Thank you again Keith for everything!!

    Kelly Manning Avatar Kelly Manning
    January 15, 2021

    I had a scenario that was a little unordinary, but Keith still knocked it out of the park. Very responsive and diligent in his process. Would recommend!

    Nick Vail Avatar Nick Vail
    August 15, 2023
  • Keith was wonderful to deal with. He is professional and knowledgeable. I definitely would recommend his services. After a horrible experience with a bank he was able... read more

    Cindy Coto Avatar Cindy Coto
    January 15, 2023

    Keith was phenomenal to deal with. His up to date knowledge of the market was spot on. Keith's communication was very proactive and his responsiveness to questions and concerns was... read more

    Clint Chisholm Avatar Clint Chisholm
    May 15, 2023

    Keith was very helpful in refinancing my home with a good interest rate.. I would strongly recommend him to any of my family or friends.

    Daniel Lyons Avatar Daniel Lyons
    January 15, 2021

    Keith, once again you did an outstanding job for us. We were VERY pleased with the work you put in! You made it easy by making yourself always available... read more

    STEVEN HARRIS Avatar STEVEN HARRIS
    January 15, 2023
  • Keith is extremely professional and thorough. My fiancé and I enjoyed working with him and would definitely recommend his services!

    Sarah Recktenwald Avatar Sarah Recktenwald
    January 15, 2021

    We closed on our dream home today, but only with Keith fighting for us every step of the way. His customer service is unmatched and he put us at ease... read more

    Sarah Depalm Avatar Sarah Depalm
    January 15, 2021

    Keith was great to work with! He could not have made the loan process any easier! I have and will continue to recommend Keith to my friends and... read more

    AC Filter Provider and Sanitation Avatar AC Filter Provider and Sanitation
    January 15, 2021

    Keith was very easy to work with and very straight forward with us throughout the process of buying a house in Yulee. I would highly recommend contacting him if you... read more

    Seth Lavarnway Avatar Seth Lavarnway
    January 15, 2021