Opening Doors. Closing on Your Dream Home.
At Say Yes to the Keys Real Estate, K. Frankie Larkins brings over two decades of mortgage and real estate experience to help you navigate the homebuying process with clarity, confidence, and genuine personal care — from your very first question to the day you get your keys.
ABOUT US
Experienced. Knowledgeable. Trusted.
Welcome to Say Yes to the Keys Real Estate. I'm K. Frankie Larkins — a licensed mortgage broker with over 20 years of experience helping clients across the country achieve the dream of homeownership.
I started this practice because I believe the homebuying process should be empowering, not overwhelming. Too many buyers walk away from the mortgage process feeling confused, rushed, or like they were just another file on someone's desk. That's not the experience I provide.
My approach is built on three things: transparency, personalization, and genuine commitment to your goals. I take the time to understand your financial situation, explain every option clearly, and work tirelessly to find the right mortgage program for your unique needs — whether you're a first-time buyer, a seasoned homeowner looking to refinance, or an investor building your portfolio.
When you work with me, you get a partner who is with you every step of the way — not just until the paperwork is signed.
WHY CHOOSE SAY YES TO THE KEYS
What You Can Expect When You Work With Me
Personalized Mortgage Solutions I understand that every client is different. Rather than a one-size-fits-all approach, I take the time to assess your specific financial goals and lifestyle needs, then identify the programs and terms that are the best match for your situation.
Clear, Knowledgeable Guidance With over 20 years of experience in the mortgage market, I provide straightforward, informed guidance to help you make confident decisions. No jargon. No confusion. Just clear answers to your questions at every step.
Competitive Rates We work with multiple sources to find you the most competitive rate available for your unique financial profile. Our goal is to save you as much money as possible over the life of your mortgage.
Full-Process Support From pre-qualification all the way through to closing, I am by your side. I handle the complexities of the mortgage process so you can focus on finding the home you love rather than drowning in paperwork.
Stress-Free Experience My goal is to make the homebuying process as seamless and stress-free as possible. I stay proactive, communicate regularly, and anticipate challenges before they become problems — so you can move forward with peace of mind.
Mortgage Programs
A Program for Every Homebuyer and Every Goal
Conventional
Ideal for buyers with strong credit and stable income history. Flexible terms and competitive rates make conventional programs one of our most popular options.
FHA
With down payment options as low as 3.5% and flexible credit requirements, FHA programs open the door to homeownership for buyers at all stages of their financial journey.
VA
Serving those who served our country. VA programs offer eligible veterans and active-duty service members the opportunity to purchase a home with no down payment and no private mortgage insurance.
USDA
Eligible rural and suburban buyers can take advantage of USDA programs offering no down payment and reduced insurance costs.
Jumbo
For high-value properties that exceed conventional limits, our jumbo mortgage programs provide the right solution with competitive terms and a smooth process.
Down Payment Assistance
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Non-QM & Bank Statement
Self-employed or have a non-traditional income history? Our non-QM and bank statement programs are designed for borrowers who don't fit the standard qualification mold.
Refinance
Lower your rate, reduce your monthly payment, shorten your term, or access your home's equity. Our team will help you determine the best strategy for your situation.
Ready to Get Started?
Let's Connect.
At Say Yes to the Keys Real Estate, K. Frankie Larkins brings over two decades of mortgage and real estate experience to help you navigate the homebuying process with clarity, confidence, and genuine personal care — from your very first question to the day you get your keys.
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