I got into mortgages because I watched them break deals.
My wife works in real estate, so I’ve had a front-row seat to home purchases, and I saw the same pattern again and again. Wonderful clients and great agents, but deals falling apart because the lender dropped the ball with slow answers, surprises at closing and radio silence at the worst possible time.
I knew it could be done better, so I built Waypoint Mortgage around the things that matter to buyers and agents: honest numbers up front, real education, and prompt, honest communication. When you work with me, you’ll always know where your loan stands and what happens next.
Outside of work, I’m a devoted husband, proud dad, avid golfer and snowboarder. I genuinely enjoy helping people take one of life’s biggest steps with confidence and a lot less stress.
Doing the work up front pays off at underwriting.
Every file is different and timelines depend on the loan, the appraisal, and the lender. But a complete, well-reviewed file moves faster, and these recent results show it.
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- Same-day underwriting approvals on recent files
- 4 days
- Fastest recent purchase clear to close
- 13 days
- Recent refinance clear to close
From first call to closing day.
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1
Strategy first
We start with your real budget, your timeline, and the programs that actually fit, before anyone writes an offer.
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2
Front-loaded file
I collect and review income, assets, and credit up front so underwriting sees a clean, complete file. That is where same-day approvals come from.
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3
Shop the right lender
Through NEXA I can place your loan with the lender whose guidelines and pricing fit your file best, not just the one a bank happens to offer.
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4
Proactive updates
You and your agent hear from me at every milestone: appraisal, approval, conditions, clear to close, and closing day.
Four values that show up in every file.
Responsiveness
Always within reach whether you call, text, or email, you can expect a timely response and regular updates throughout the process.
Reliability
Your real estate agent should never have to chase your lender. I stay in front of every milestone so nothing surprises the closing table.
Education First
You should never feel pressured into a decision. Understand your options and the trade-offs before you commit.
Closings You Can Count On
Strong pre-approvals. Well-prepared loan files. Smooth closings that stay on track from contract to closing day.
Licensed and ready in NC, SC, and Georgia.
- Loan Originator: Keith Lopez (NMLS #2814077)
- Sponsoring Lender: NEXA Mortgage, LLC (NMLS #1660690)
- Licensed States: North Carolina, South Carolina, and Georgia
- Verify my license: NMLS Consumer Access
- Office: North Charleston, SC, serving buyers across NC, SC, and GA
- Contact: (480) 636-6573 · Text me · klopez@nexalending.com
A quick personal note.
I’m a husband and dad first. When I’m not helping buyers, you’ll probably find me on the golf course, on a snowboard, or spending time with my family. I bring the same approach to my clients that I do at home: show up, communicate clearly, and always do what I say I’ll do.
Recent articles by Keith
- FHA Down Payment in Richmond Hill, GA: What First-Time Buyers Need to Know
- FHA Loan Limits in South Carolina for 2026, by County
- Conventional Loan Down Payment Requirements in North Carolina
- FHA Loan Requirements in South Carolina: Credit, Down Payment, DTI, and More
Browse all articles, or see where I help in North Carolina, South Carolina, and Georgia.
Common questions
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What's the difference between a mortgage broker and a bank?
A bank can only offer you its own loan programs. As a mortgage broker, I shop your file across many lenders to find the right fit for your situation. Through NEXA Mortgage, I have access to more than 300 lenders, which means more program options, more flexibility on tricky files, and often more competitive pricing. You still get one point of contact (me), one application, and one closing.
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Where are you licensed?
I'm licensed in North Carolina, South Carolina, and Georgia through NEXA Mortgage, LLC.
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How do you communicate during the loan?
Proactively. I stay in touch with you and your real estate agent from application through closing so nothing stalls. If you have a question, you get a real answer, not silence.
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Is there any cost to talk with you?
No. The Mortgage Strategy Session is free, and there is no cost to see your options. You are never under any obligation to move forward.
Ready to talk it through?
Book a free Mortgage Strategy Session. No pressure, no obligation, just clarity.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity