Florida Builder Lending

Helping more buyers get to the closing table.

Hi, I'm Keith Queen — Senior Loan Officer at NorthStar Mortgage Advisors. Whether you're a sales agent who needs a lender that actually picks up the phone, or a buyer trying to figure out if you can afford the home you love, I'm here to make the financing part simple.

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Keith Queen, Senior Loan Officer at NorthStar Mortgage Advisors
NMLS
#1785534
"Buying a home shouldn't feel like running a gauntlet. My job is to make it feel doable — for the buyer and for the agent walking them through it."
About Keith

A lender who answers the phone — and gets it done.

If you're a sales agent, you already know the drill: a buyer falls in love with a floor plan, the contract gets written, and then the financing turns into a black box. Calls go unreturned. Updates stop. The buyer panics. And you're stuck in the middle trying to keep the deal alive.

I work the other way. As a Senior Loan Officer with NorthStar Mortgage Advisors, I'm available seven days a week, I return texts and calls quickly, and I keep both you and your buyer in the loop the whole way through. If something's off with the loan, you'll hear it from me first — not from a buyer who's been freaking out for two days.

For buyers, that means someone who'll explain things in plain English, walk you through what you can actually afford, and find a loan that fits your real life — not a one-size-fits-all program that doesn't work for you. I've helped buyers across every situation you can think of, and I'll tell you straight whether a deal makes sense or not.

In Practice
Keith Queen on-site with homebuyers
— 01
Out with buyers, where it matters.
Meeting buyers at the model, walking through what their payment looks like on the home they actually want, and answering questions on the spot. That's where deals get done.
Keith Queen with a homebuyer at closing
— 02
Closing day — every time.
My favorite part of the job. Getting buyers from "is this even possible?" to keys in hand — and making sure the agent looks good doing it.
What to Expect

Four things I promise — to every agent and every buyer.

Whether we've worked together before or you're calling me for the first time, here's what working with me looks like.

— 01

I'll pick up the phone.

Or text you back fast. Nights, weekends, grand openings — if there's a buyer with a question or an agent with a deal on the line, I'm reachable.

— 02

I'll explain it in plain English.

No jargon, no runaround. Buyers will know exactly what their payment looks like, what they qualify for, and what the next step is — every time.

— 03

I'll keep you in the loop.

Agents shouldn't have to chase me for updates. If something changes on a file — good or bad — you and the buyer will hear it from me first.

— 04

I'll fight for the deal.

If another lender said no, send the file my way. I've found a path forward on plenty of loans others couldn't figure out — and I love proving it can be done.

Loan Programs

Loans built around real buyers.

Not every buyer fits the standard mold — and they shouldn't have to. Here are some of the programs I use most often to help people get into the home they actually want.

01
Forward Commitments
Lower rates on select homes — built into the deal by the builder. If you're worried rates feel high, ask about which homes in the community come with one of these. They make a real difference in the monthly payment.
02
Construction-to-Perm (C2P)
Building a custom home? This is one loan that covers both the construction and the permanent mortgage — one closing, one set of paperwork. Way less stressful than juggling two separate loans.
03
Zero Down Payment Options
If you've got steady income but haven't been able to save up a big down payment, you might still qualify. These programs aren't for everyone, but they've helped a lot of buyers get into a home sooner than they thought possible.
04
5-Year ARM Programs
A lower payment for the first five years. Great if you're not planning to stay in the home long-term — military families, people relocating for work, or anyone who expects to move up in a few years.
05
Six Months Free
Some communities offer a six-month payment break to help you settle in. Ask me which homes qualify — it's a real game-changer for buyers who need a little breathing room after closing.
06
Assets-for-Income Qualification
If you're self-employed, retired, or your tax returns don't show what you actually earn, we can sometimes qualify you based on the money you have in the bank or in investments instead. Worth a conversation if traditional income docs are a problem.
Let's Connect

Let's get the conversation started.

Whether you've got a buyer with questions, a deal that's gone sideways, or you're just shopping for homes and trying to figure out what you can afford — call, text, or send me a quick note.

Call or Text
(229) 588-8400
Email
Coverage
Florida builder communities, with a focus on the Florida Panhandle
Send a message
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