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In just few minutes you can find out what you qualify for and explore multiple loan options and interest rates.

Complete our short and inuitive pre-approved interview to get started

KeySmart Mortgage Co was created with the consumer in mind. We are a veteran owned and operated company with nearly 40 years of combined experience. Commitment to service, respect and excellence are our core values.


Our strength is our people, we are guided by the principle of RESPECT:

   · For Our Associates

   · For Our Customers 

   · For Our Borrowers

   · For Our Partners 

   · For Our Lenders 

   · For Our Attorneys

   · For Our Title Companies

   · For Our Insurance Agents

A conventional loan is a type of mortgage loan that is not guaranteed by the government or a federal agency. This includes the Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA). Lenders will usually offer.


The United States Department of Veterans Affairs (VA) created a mortgage loan that provides financial assistance to veterans. This mortgage is guaranteed by the VA, which has helped over 25 million veterans and service personnel obtain a mortgage. The VA was designed to help provide housing and assistance for veterans and their families by issuing easier financial qualifications. For example, if eligible, applicants are not required to make a down payment, and will not get penalized with private mortgage insurance (PMI).


An FHA Streamline allows borrowers to refinance their existing FHA-insured mortgage loan. Streamline refinances require less documentation and provide a simple underwriting process. They offer borrowers the choice to qualify with credit or non-credit options.


An FHA Loan Illinois is insured by the Federal Housing Administration and issued by a private mortgage lender. FHA loans are attractive to potential borrowers because they allow people to purchase homes with a small down payment and average credit score



When it comes time to apply for a home loan, it is hard to know where to begin! Finding the right type of home loan can be confusing because there are a number of different options to consider. Start by contacting a KeySmart Loan Officer today to see if you prequalify for a home loan.

40 Years Experience

Licensed & Skilled Team

Commitment to Excellence

Stellar Reviews

Why Choose Us

William Jaramillo (CEO/Co-Founder)

We strive to make the mortgage process as efficient as possible, whether structuring the deal right from the beginning and choosing the right lender and program to limiting the number of files a processor oversees. An overwhelmed and over worked staff delays the lending process.

Team effort, we understand that all deals are not the same and that some deals require special attention to detail because of their complexity. In those scenarios we will use a team approach to get them done as fast as possible.


We have seen a lot of different deals over the years and by working with our great account executives and lenders we can close the most complex deals in a timely manner.

The KeySmart Process

We have put together an amazing group of people who want nothing more than to help you finance the home of your dreams. We are only as strong as the people who work for us.



The KeySmart Team

Satisfied Customers

See What Our Clients
Say About Us

Had an amazing experience using Keysmart Mortgage! Thank you Rico for all your hard work! Very professional company and always made sure I was updated during the process. My best interest was always their number one priority. Could not have done this without you and the others, you guys are truly the best at what you do!

Jackie Estrada

I can’t say enough good things about Leo! He helped us on our journey of becoming first time homeowners. He was very professional, honest, & made the whole experience smooth & easy to understand. Leo kept us updated every step of the way & was ready to answer any questions we had. He went above and beyond!! Leo is fantastic at what he does & highly recommend him!

Rosa G.

I had a great experience with KeySmart Mortgage.  I had the pleasure of working with William Jaramillo.  I am a first time homebuyer and I was very nervous.  they gave me the confidence I needed.  I can't thank you enough for helping me make my dream come true.   thank you so much to the whole team.

Alejandra Sierra

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