✉ ty@tyclosesloans.com
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Cumming, GA · Licensed in GA · FL · CO · NC · SC
I'm Ty Keller — a mortgage loan originator putting 110+ wholesale lenders in competition for your loan. A creative structure for the deals banks fumble, and a number that's hard to beat.
Already shopping?
Send me your Loan Estimate. I'll analyze it and show you your options to beat it — within 24 hours, often the same day. No hard credit pull.
Why a broker beats a bank
I take the application, structure the file myself, and shop it across the whole market — not just for the best rate, but the best structure. Same process as a bank, far less cost, because none of a retail shop's overhead is baked into your rate.
You get the winner on the board, not one institution's rate sheet. More competition, better terms and structure.
No bloated ad budgets, no middle-management layers, no slow systems in your rate. On average, ~$10,000 cheaper than retail.
Self-employed, investor, LLC purchase, oddball property — the files banks walk away from are the ones I like best.
Run your numbers
Move the sliders to see a real monthly estimate — then get your actual numbers from someone who answers the phone.
“Working with Ty as my lender was an outstanding experience. He was always available whenever I had questions and made the whole process easy.”
“Absolutely the best person about ANY kind of mortgage loan. Ty explained every option and got me into a great loan I didn't think was possible.”
“Ty was great to work with as a first-time homebuyer. He walked us through everything and was quick to answer every question we had.”
Find your path
Pick the one that sounds like you — each links to a dedicated page with the details, FAQs, and a real win story.
First-timer or move-up — a fully-underwritten preapproval and an offer that wins.
Explore → 02Bank-statement, 1099 & P&L loans that qualify on your real income, not just tax returns.
Explore → 03DSCR loans that qualify on the property's rent. Hold in an LLC. Scale your portfolio.
Explore → 04Bridge financing so you make a non-contingent offer and move once — on your timeline.
Explore → 05Lower the rate, pull equity, or restructure debt. Structured for a long hold.
Explore → 06Big loans and complex files, structured to be competitive — not a penalty.
Explore →Win stories
Real files, anonymized. This is what experience and a Plan A/B/C actually buys you.
A fully-underwritten preapproval and a Sunday-night call to the listing agent beat seven competing offers in one of North Georgia's hottest price bands.
Won over 7 offers · low-$400Ks · agent + lender tag-teamA Navarre Beach leasehold property and a tricky income picture — solved at once with a DSCR loan. Then four more closings for the same client.
$2M closed · DSCR · 4+ repeat dealsA bridge loan cleared debt and funded a Florida down payment before the Georgia home sold — and a reconsideration of value saved it when the appraisal came in light.
Closed at $630,000 · debt cleared · ROV winA business owner whose tax returns hid his real income, a jumbo loan, an entity change, and a private road. Qualified on a CPA P&L and closed in the high-5s.
Self-employed jumbo · high-5% range · funded by year-endHow I work
Tell me your goals and your situation. One application protects your credit and keeps every option open.
I fully underwrite you up front and shop 110+ lenders, so when the right house shows up you make the strongest offer in the room. Preapproval refreshed monthly.
Plan A, B, and C on every file — appraisal issues, restructures, rate floats. I answer the phone Sunday night, because that's when offers go in.
Meet Ty
I started in banking in 2008 — worst possible time to start, best possible time to learn. I cut my teeth on portfolio lending, then managed branches, originated everything from jumbo to commercial, and ran treasury and payment operations for a $20B institution. Credit, sales, ops, technology — I've sat on every side of this desk, so I know exactly where a mortgage gets slow and where the cost hides.
In 2024 I went wholesale and never looked back. I do the work, structure your file myself, and put 110+ lenders in competition for it. I'm the guy your realtor calls the “creative lender” — and I answer my own phone. That's the whole pitch.
For realtors
A lender who goes quiet, misses a date, or denies your buyer after the offer's accepted doesn't just cost one deal — it costs your reputation and the next three referrals. Here's what it's like on my side.
Let's team up →Access & partners
Questions, answered
A bank shows you one menu. Working wholesale, I put 110+ lenders in competition for your loan, with none of a retail shop's overhead baked into your rate. On average my clients come out roughly $10,000 cheaper than the retail equivalent.
Yes. With bank-statement, 1099, and P&L loans you can qualify on your real income and deposits instead of only your tax returns. If your CPA is good at their job, your return probably makes you look broke — that's a documentation strategy problem, not a mortgage problem.
Yes. With a bridge or buy-before-you-sell structure I leverage your existing equity so you can make a non-contingent offer, move once, and sell on your own timeline instead of gambling on perfect timing.
Not when it's structured right. Non-QM is a documentation strategy, not a penalty. I've closed self-employed jumbo buyers in the high-5% range — competitive with anything conventional, and structured for a long hold.
Yes — a DSCR loan qualifies on the property's rental income, not your personal tax returns, and can be held in an LLC. It's built for investors growing a portfolio.
Let's find your best loan
No hard credit pull to start. No pressure. Just a clear read on your options from someone who answers the phone — and a number that's hard to beat.
