About Keys & Coffee

We are the friend who happens to know a lot about mortgages — and who will never try to sell you one.

Why we exist

Buying a home is the biggest purchase most people ever make, yet the mortgage world speaks its own language: escrow, points, PMI, DTI, LTV. Most “guides” online are really ads for a lender. We wanted the opposite: clear, honest explanations you can read with a coffee in hand.

What you will find here

• Guides on buying a home, loan types, refinancing, rates and money moves.
• Free calculators for payments, affordability, refinancing, extra payments, closing costs and rent vs buy.
• Myth busters and fun facts, because learning about mortgages does not have to be boring.

How we write

• Plain English first. If we use a term, we explain it.
• We check numbers and rules against official sources such as the CFPB, HUD, the VA, the USDA, Fannie Mae and Freddie Mac.
• We update guides when rules or limits change, and we show the “updated” date on every article.
• No paid placements. If that ever changes, we will label it clearly.

Spotted a mistake or have a topic idea? Tell us — we read everything.