Our Mission

We are simplifying the mortgage process and enhancing your experience

Engineered for Simple. Designed for Smiles.

Rock Rates is the Direct-to-Consumer division of Keystone Funding, Inc., and was created to provide a technology-powered home loan experience that’s simple and convenient.

Much of the technology and systems used by Rock Rates was developed in-house, based on direct experience with borrowers and their feedback on the mortgage process. These technology advancements have significantly reduced our operating costs, allowing us to pass this savings to our clients through lower rates.

But while we have removed archaic and costly procedures through advanced technology, we still hold dear the value of human relationships. Several of our competitors boast about "closing a loan without any phone calls". But we still call our clients…. not because we have too, but because we want too.

So come to us for the rates, but stay for the relationship.