McKinney, TX Mortgage Broker · VA, FHA & Conventional Loans for Frisco, Allen & DFW
Guiding veterans, first-time buyers, and investors through the mortgage process with clarity, honesty, and personal attention — licensed in Texas, Michigan, Louisiana & Oklahoma.
I'm Keith Sullivan, a mortgage broker with NXT Mortgage and a U.S. Air Force veteran, passionate about helping individuals and families achieve their homeownership goals. I'm based in McKinney and work with buyers and homeowners in Frisco, Allen and across the Dallas–Fort Worth metroplex and beyond. If you’re local, here’s more on working with a mortgage broker in McKinney and on working with a mortgage broker in Frisco.
Whether you're a first-time buyer navigating the process for the very first time, a fellow veteran using your VA benefit, a seasoned investor expanding your portfolio, or a homeowner looking to refinance, I bring personalized guidance, competitive rates, and a commitment to getting you to the closing table.
I believe buying a home should feel exciting — not overwhelming. My job is to make the process transparent, smooth, and tailored to your unique situation.
More about me, my Air Force background and how I work →
⚖ NMLS# 2451429 · Licensed in Texas, Michigan, Louisiana & Oklahoma
From your first home to your fifth investment property, I have the right loan product for your situation.
Flexible terms and competitive rates for buyers with solid credit. Available with as little as 3% down for qualifying borrowers.
Government-backed loans with lower down payment requirements and more flexible credit guidelines — ideal for first-time buyers.
Exclusive benefits for veterans, active-duty service members, and eligible surviving spouses — including zero down payment options.
100% financing for eligible rural and suburban homebuyers who meet income requirements. No down payment required.
Financing above conventional loan limits for luxury properties and high-value markets across the DFW Metroplex.
Lower your rate, reduce your term, or tap into your home's equity. Let's review your options with a free rate analysis.
Upload it and I'll review it free. If I can beat it, I'll show you exactly how — line by line, no pressure.
Upload Your Estimate →Principal & interest only. Does not include taxes, insurance, or PMI. This calculator is for estimation purposes only — contact Keith for a personalized rate quote.
“Keith was such a huge help in this process, from silly first home buyer questions to genuine personable advice. We couldn't have done it without him and his team.”
“From buying my first home, to getting my credit lined up to do it. To even years after, being able to reach out at any given time with questions. Always has answers or gets back with answers in a timely manner. Recommend very highly. And will be using again on my next home purchase and future endeavors!”
“Keith is awesome! He's overseen a couple of home moves for us and makes it seamless!!”
“Had the pleasure of working with Keith. He kept the whole refinance process super simple and put in terms my wife and I could understand. In doing so it led to a smooth, seamless transaction.”
“Wow, I have no words for how grateful I am for Keith. He honors his word and walks beside you throughout the entire process. I couldn't be happier with my experience and choosing Keith.”
“From buying my first home, to getting my credit lined up to do it. To even years after, being able to reach out at any given time with questions. Always has answers or gets back with answers in a timely manner. Recommend very highly.”
I understand that your reputation is built on the partners you choose. I bring the reliability, communication, and follow-through your clients deserve — and your business demands.
Same-day or next business day turnaround
I'll educate your buyers so you can focus on selling
You'll never have to chase me for a status update
Open houses, flyers, and social media collaboration
A bank can only offer its own loans. As a mortgage broker, I work with multiple wholesale lenders, compare their options for your situation and help you pick the one that fits. You still work with one person from application to closing. Here is more on working with a mortgage broker in McKinney.
Yes. I served in the U.S. Air Force Security Forces from 2013 to 2017, and VA loans are a big part of my business. For eligible veterans and service members, a VA loan may allow you to buy with no down payment and no monthly mortgage insurance. See my VA loan page and my guide to VA loan benefits for Texas veterans.
There is no single number. FHA guidelines can go as low as 580, the VA does not set its own minimum, and each lender can set its own floor. A higher score usually means better pricing, and a score alone never guarantees approval. I break it down in what credit score you need to buy a house in Texas.
Plan on recent pay stubs, W-2s or tax returns, bank statements, a photo ID and permission to check your credit. How long it takes depends mostly on how quickly your documents come in and how simple your file is. You can start with my secure online application, and my first-time homebuyer checklist walks through the rest.
Yes. I can look at whether refinancing makes sense for you, for example to change your loan term, remove mortgage insurance or take cash out, and compare options from multiple lenders. If you already have an offer from another lender, send it through Beat My Rate and I will review it. My refinancing guide covers when it can make sense.
I am licensed in Texas, Michigan, Louisiana and Oklahoma. I am based in McKinney and work with buyers and homeowners across Frisco, Allen and the Dallas–Fort Worth area, mostly by phone, text, email and secure online document upload. My NMLS# is 2451429, and NXT Mortgage is NMLS# 1660690.
Whether you're ready to apply or just exploring your options, reach out. There's no obligation — just honest guidance.
I help home buyers and homeowners across North Texas, from McKinney and Frisco to the rest of the Dallas–Fort Worth area.
Also serving Allen, Plano, Denton, Coppell, Carrollton, Lewisville, The Colony and Prosper.