NMLS #12966 · Madison, NJ

Your rate shouldn't be a mystery. It should be your advantage.

I help borrowers in the Madison area secure competitive mortgage rates with transparent pricing, expert guidance, and a process that actually respects your time.

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15+
Years Experience
500+
Families Served
A+
BBB Rating
Beautiful home in Madison, New Jersey
Current Rate
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Rates fluctuate daily. Get your personalized rate in minutes — no obligation, no hard credit pull.
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What I Do

Mortgage solutions built around your life, not a spreadsheet.

Whether you're buying your first home, refinancing to lower your payment, or exploring a cash-out option, I match you with the right loan program — not the one with the highest commission.

Purchase Loans

First-time buyer? Move-up buyer? I'll walk you through every option — conventional, FHA, VA, USDA — so you know exactly what you qualify for before you start looking.

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Refinance

Lower your rate, shorten your term, or switch from an ARM to a fixed. I'll run the numbers honestly — if refinancing doesn't make sense, I'll tell you.

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Cash-Out Refinance

Tap into your home's equity for renovations, debt consolidation, or other goals. I'll help you understand the trade-offs so you make a decision you're comfortable with.

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VA Loans

You've served. Your benefit should make homeownership easier, not harder. I specialize in VA loans with no down payment required and competitive rates for eligible service members and veterans.

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Jumbo Loans

Non-conforming loans require a different approach. I work with lenders who specialize in jumbo products so you can finance your dream home without compromise.

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Consultation

Not ready to apply? That's fine. Schedule a no-pressure conversation about your goals, credit profile, and what's realistic — so you can plan with confidence.

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Downtown Madison, New Jersey
Keys to a new home
Happy family at home
Madison, New Jersey neighborhood
Guaranteed
Rate
Rate
Guaranteed
About Me

A local lender who actually shows up.

I'm Matthew Keane, and I've spent over a decade helping families in the Madison area navigate one of the most important financial decisions of their lives. I'm not a call center — when you call me, I answer.

I work with Guaranteed Rate, one of the largest mortgage lenders in the country, which means you get access to a wide range of loan products and competitive pricing. But you also get a single point of contact who knows your file, your timeline, and what matters to you.

I believe transparency isn't just a buzzword. You'll see every cost upfront, understand every option, and never feel pressured into a decision that doesn't fit your situation.

NMLS #12966
Licensed Mortgage Loan Originator
Guaranteed Rate
NMLS #5267 · Nationwide Multistate Licensing System
How It Works

Four steps from inquiry to closing.

I've streamlined the process so you spend less time worrying and more time getting to the finish line.

01

Tell Me Your Goal

Whether it's buying, refinancing, or exploring options, share where you are and what you want. No judgment, no pressure.

02

Get Your Rate

I'll pull your personalized rate — no hard credit pull required for the initial quote. You'll see every cost, every option, clearly laid out.

03

Apply & Underwrite

I'll guide you through every document, every question, and every step of underwriting. You'll never be left wondering what's happening next.

04

Close & Celebrate

You'll review everything at closing, ask any last questions, and walk away with the keys — and a rate you're happy with.

Client Stories

What my clients say about working together.

Every transaction is different. Here's what some of my clients have shared about their experience.

"Matthew made what I thought would be a stressful process feel straightforward. He explained every option clearly and never made me feel rushed. I got a rate that beat what my bank offered — and he was always available when I had questions."

JL
Julia L.
First-Time Buyer · Madison, NJ

"I refinanced my home to shorten my term and lower my rate. Matthew ran the numbers with me and showed exactly how much I'd save over the life of the loan. His honesty about the trade-offs is what set him apart from everyone else I talked to."

RP
Robert P.
Refinance · Bernardsville, NJ

"As a veteran, I wanted someone who understood VA loans inside and out. Matthew walked me through every benefit I was eligible for and made sure I didn't leave money on the table. Couldn't have asked for a better experience."

DM
David M.
VA Loan · Somerset, NJ

Ready to find out what you qualify for?

A personalized rate quote takes less than 5 minutes — and it won't affect your credit score.

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Get In Touch

Let's start a conversation.

Fill out the form and I'll get back to you within one business day. Or reach out directly — I'm always happy to talk.

Office
14 Main Street, Suite 140
Madison, NJ 07940
Office Hours
Monday – Friday: 9:00 AM – 6:00 PM
Saturday: By appointment

Guaranteed Rate, Inc. NMLS #5267. Matthew Keane, NMLS #12966. Licensed in accordance with state laws. Not all products are available in all states. This is not an offer to enter into an agreement. Equal Housing Lender.

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No obligation, no hard credit pull. Just an honest answer to your question.

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