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!
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Although I am located in Florida, I offer unparalleled home purchase and refinance service to clients throughout the States of Georgia and Florida!
What our clients are saying
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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
January 15, 2022I was referred to Keith at Swan Financial when i was looking to obtain financing for an investment property. Keith was able to secure a surprisingly low rate for... read more
Kevin Hughes
January 15, 2022Our experience with Keith was nothing short of awesome. No matter what changes or surprises we encountered, Keith was ahead of the game and made our financing and closing... read more
David Kelly
January 15, 2022Keith 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
May 15, 2023 -
Its not every day that borrow hundreds of thousands of dollars with a term that spans decades, so I really appreciated Keith's knowledge and guidance in helping select the best... read more
rich perlman
January 15, 2021Keith 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
May 15, 2023We 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
January 15, 2021On top of things and made a complicated situation easy...and we got a great rate!
John Moore
January 15, 2023 -
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
January 15, 2021Keith 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
January 15, 2021Keith was amazing to work with! Very knowledgeable and responsive!! He kept me calm and informed. Thank you again Keith for everything!!
Kelly Manning
January 15, 2021I'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
January 15, 2022 -
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
January 15, 2023Keith 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
January 15, 2021We had the pleaser of working with Keith at Swan Financial and the experience was excellent. He was professional and efficient and made the process of getting a home... read more
Missy Jean
January 15, 2023Keith is awesome and I will go to him first on my next purchase or refinance. His rates were extremely competitive. He answered every one of the questions we had... read more
Paul Graeter
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
January 15, 2023Keith made my first time home buying process a breeze! His communication was exceptional and he was always happy to explain every step of the process along the way. Keith... read more
Katie Moffat
January 15, 2021Great working with Keith! I am glad I got a great loan with Rocket Mortgage and would definitely recommend anyone looking to buy or refinance give Keith a call and... read more
Deborah Moore
January 15, 2023Keith 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
January 15, 2021
