Business Page
3 Keys Lending
Lender
4.9 stars
71 Reviews
Markets served
Florida
Idaho
Maine
Rhode Island
South Carolina
Utah
Alabama
Colorado
Connecticut
District of Columbia
Delaware
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Maine
Maryland
Massachusetts
New Hampshire
New Mexico
Ohio
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Utah
Washington
Wisconsin
About us
I am the owner of 3 Keys Lending, and also own several rental properties myself. As a mortgage broker, I have access to hundreds of lenders to help us find the best loan programs and rates for your situation.
Specialties
Conventional & Gov.
Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
USDA Loan
FHA
Hard/Private/Non-QM
Home Equity (investment)
DSCR (long-term rental)
DSCR (short-term rental)
Bridge Loan
Foreign National Loan
Refinance (investment)
Reviews (71)
4.9 stars
71 Reviews
4.9 stars
71 Reviews
0.0 star
0 Reviews
5.0 stars
8 months ago
Reviewed by
Clint Worsley
We had been working with another lender who kept trying to take advantage of us, and it felt like we were running out of options. Thankfully, we found Todd Libby at 3 Keys Lending, and the difference was night and day. From the very beginning, Todd made it clear that his priority was helping us, not just closing a deal.
He guided us through refinancing our home, secured us a much lower interest rate, and explained every step in a way that gave us confidence. What stood out most was how much he truly cared about our situation—he went out of his way to make sure we were in the best possible position financially. In the end, not only did we avoid unnecessary costs, but we’re actually getting money back at closing.
If you want a mortgage broker who genuinely puts your needs first and works tirelessly to get you the best deal, Todd Libby at 3 Keys Lending is the one to call.
5.0 stars
a year ago
Reviewed by
Andrew Ricker
Andrew Orton with 3 keys lending is a Hard working, honest, and caring lender. With you every step of the way. I’ve used Andrew a few times and have always been happy! 5/5 will use again.
5.0 stars
a year ago
Reviewed by
Natalie Despain
Loved Todd and his team! Things were super quick and efficient! They even helped me find some down payment grants I qualified for, which was above and beyond. Friendly with good rates !
5.0 stars
a year ago
Reviewed by
Atticus Coleman
Todd and Tauni were amazing to work with. Their concern for making sure I had the best outcome on my refinance was incredible. They genuinely cared about my situation and were constantly following up with me and keeping me posted. The took a lot of stress off my shoulders and made the whole process simple. Thank you Todd and Tauni! You guys are the best!
5.0 stars
a year ago
Reviewed by
Stephen Attaway
I truly had a great experience with Andrew at 3 Keys Lending. He was extremely knowledgeable and willing to share that knowledge to find the best product for my situation. He was also accurate and timely with the required documentation, which allowed me to close early on my home! I cannot say thank you enough
5.0 stars
a year ago
Reviewed by
Sterling Bronson
This whole experience has truly been one for the books. I am a disabled Veteran who has had a life long dream to own land on US soil. Thanks to the entire team at 3 keys Lending for your help, support, and patience and we made it thru this emotional journey. Eternally grateful- Sterling Bronson
5.0 stars
2 years ago
Reviewed by
Dalia Lang
I met Todd and his company back in 2021 he truly help us back then, but we decided agains the home and to wait, finally a month ago we were ready to go and I remember how good it was the first time, I gave Todd a called on a Tuesday by Friday that same week I was approved by the underwriter and only got a request to send a couple documents back to them. I honestly thought it was going to take us 2 months to close, but to our surprise we closed without any delays or problems 3 weeks after. Todd & Tauni help me understand the process, both were super professional and worked towards what I we needed. Will recommend them 100% and will go back to them in the future.
5.0 stars
2 years ago
Reviewed by
Elizabeth Knoll
Andrew was great to have on our team for our first experience buying a home. He was very knowledgeable and was willing to get on the phone to answer any questions we had (which we had a lot!). His helpfulness really put us at ease during the process and he even got our clear to close rather quickly. Highly recommend Andrew for your lending needs!
5.0 stars
8 months ago
Reviewed by
Clint Worsley
We had been working with another lender who kept trying to take advantage of us, and it felt like we were running out of options. Thankfully, we found Todd Libby at 3 Keys Lending, and the difference was night and day. From the very beginning, Todd made it clear that his priority was helping us, not just closing a deal.
He guided us through refinancing our home, secured us a much lower interest rate, and explained every step in a way that gave us confidence. What stood out most was how much he truly cared about our situation—he went out of his way to make sure we were in the best possible position financially. In the end, not only did we avoid unnecessary costs, but we’re actually getting money back at closing.
If you want a mortgage broker who genuinely puts your needs first and works tirelessly to get you the best deal, Todd Libby at 3 Keys Lending is the one to call.
5.0 stars
a year ago
Reviewed by
Andrew Ricker
Andrew Orton with 3 keys lending is a Hard working, honest, and caring lender. With you every step of the way. I’ve used Andrew a few times and have always been happy! 5/5 will use again.
5.0 stars
a year ago
Reviewed by
Natalie Despain
Loved Todd and his team! Things were super quick and efficient! They even helped me find some down payment grants I qualified for, which was above and beyond. Friendly with good rates !
5.0 stars
a year ago
Reviewed by
Atticus Coleman
Todd and Tauni were amazing to work with. Their concern for making sure I had the best outcome on my refinance was incredible. They genuinely cared about my situation and were constantly following up with me and keeping me posted. The took a lot of stress off my shoulders and made the whole process simple. Thank you Todd and Tauni! You guys are the best!
5.0 stars
a year ago
Reviewed by
Stephen Attaway
I truly had a great experience with Andrew at 3 Keys Lending. He was extremely knowledgeable and willing to share that knowledge to find the best product for my situation. He was also accurate and timely with the required documentation, which allowed me to close early on my home! I cannot say thank you enough
5.0 stars
a year ago
Reviewed by
Sterling Bronson
This whole experience has truly been one for the books. I am a disabled Veteran who has had a life long dream to own land on US soil. Thanks to the entire team at 3 keys Lending for your help, support, and patience and we made it thru this emotional journey. Eternally grateful- Sterling Bronson
5.0 stars
2 years ago
Reviewed by
Dalia Lang
I met Todd and his company back in 2021 he truly help us back then, but we decided agains the home and to wait, finally a month ago we were ready to go and I remember how good it was the first time, I gave Todd a called on a Tuesday by Friday that same week I was approved by the underwriter and only got a request to send a couple documents back to them. I honestly thought it was going to take us 2 months to close, but to our surprise we closed without any delays or problems 3 weeks after. Todd & Tauni help me understand the process, both were super professional and worked towards what I we needed. Will recommend them 100% and will go back to them in the future.
5.0 stars
2 years ago
Reviewed by
Elizabeth Knoll
Andrew was great to have on our team for our first experience buying a home. He was very knowledgeable and was willing to get on the phone to answer any questions we had (which we had a lot!). His helpfulness really put us at ease during the process and he even got our clear to close rather quickly. Highly recommend Andrew for your lending needs!
