About Keith Sullivan

Who I Am

I'm Keith Sullivan, a mortgage broker with NXT Mortgage. I live and work in McKinney, Texas, and I help people buy and refinance homes across Dallas–Fort Worth. I've been in the mortgage business for 4 years.

My branch office is in Coppell, but you don't need to come in to work with me. We can handle almost everything by phone, text, email and secure online document upload. I'm licensed in Texas, Michigan, Louisiana and Oklahoma, so I can help with homes in those states too.

From the Air Force to Mortgages

Before I got into lending, I served in the U.S. Air Force Security Forces from 2013 to 2017.

After I got out, I found my way into the mortgage business. I spent my first years learning the trade at other mortgage companies, then joined NXT Mortgage as a broker. Being a veteran is a big part of why I spend so much of my time on VA loans. It's a benefit veterans earned, and I want the people who earned it to understand how it works and actually get to use it.

Why I Work as a Mortgage Broker

If you go to a bank or retail lender, you can usually get only that one company's loans. As a mortgage broker, I can shop your loan with many wholesale lenders and compare what they'll offer for your situation.

That matters because lenders don't all look at a file the same way. Pricing, fees and guidelines vary, and a loan one lender won't do, another sometimes will. Shopping doesn't mean I can beat every offer out there, and I'll tell you if I can't. It does mean you get to compare real options instead of taking the first one you're handed.

If you already have a Loan Estimate from another lender, send it over through Beat My Rate and I'll go through it with you line by line, no pressure.

Relationships, Not Transactions

I see this job as building relationships. I'd rather take the time to explain your options plainly and answer the phone when you call than rush you to a closing. If I do that well, I hope you'll call me again the next time you buy or refinance, and send your friends and family my way.

I also work closely with Realtor partners across DFW. When your agent and your lender are actually talking to each other, deadlines get met and closings go a lot smoother. If you're an agent, here's how I work with Realtors.

Who I Help

I work with all kinds of buyers and homeowners, but two groups make up a big part of my business:

• Veterans and service members. I help with VA purchase loans, VA IRRRL refinances and VA cash-out refinances. Start with my VA home loans page, my guide to VA loan benefits for Texas veterans, and the VA funding fee exemption for veterans with a service-connected disability.
• First-time buyers. I walk you through the whole process, from checking your credit to closing day. Good places to start: my first-time homebuyer checklist, credit scores for buying in Texas and Texas down payment assistance programs.

I also help with FHA, conventional, jumbo and USDA loans, DSCR and other non-QM loans for investors and self-employed borrowers, and refinancing. If you're weighing loan types, read FHA vs. conventional or my refinancing guide, or browse the blog for the rest.

Areas I Serve

I'm based in McKinney and work with buyers and homeowners all over North Texas, including:

• McKinney
• Frisco
• Allen
• Plano
• Prosper
• Denton
• Coppell
• Carrollton
• Lewisville
• The Colony

And the rest of the Dallas–Fort Worth area. For local details on taxes, school districts and neighborhoods, see my pages for McKinney and Frisco.

Licenses, NMLS and Reviews

You can check my license anytime. My individual NMLS ID is 2451429, and NXT Mortgage's company NMLS ID is 1660690. Both are listed on NMLS Consumer Access. I'm licensed in Texas, Michigan, Louisiana and Oklahoma.

I'd rather you hear from my clients than from me. You can read their reviews on Experience.com, where I have 11 five-star reviews. If we've worked together, I'd really appreciate a Google review. You can also find me on LinkedIn.

Frequently Asked Questions