Steve Anderson

Senior Loan Officer | steve@usekeystone.com

Steve founded Keystone Financial Services in 2004 and brings over 20 years of mortgage expertise to every transaction. He personally oversees complex loans and ensures every client gets the best possible deal through his wholesale lender relationships.

Steve and Jenni have been married for over 25 years, have three boys and one daughter, and live in Carlsbad. Steve enjoys family time, pickleball, and surfing.

Jenni Anderson

Processing Manager | jenni@usekeystone.com

Jenni manages all loan processing and ensures your application moves smoothly from approval to closing. Her attention to detail and proactive communication keeps deals on track and on time.

A friend to all, Jenni enjoys long walks on the beach, working in her yard, and spending time with her family.

Kate Smoke

California Loan Officer | kate@usekeystone.com

Kate serves clients throughout the greater San Diego area and brings specialized expertise in working with our nation's veterans. She takes pride in helping military families navigate the home buying process with care and precision.

Kate is a devoted wife and mom to three who loves staying active and spending quality time with her family.

Matt Ehlert

Utah Loan Officer | matt@usekeystone.com

Matt brings local Utah market knowledge and a passion for helping clients find the right financing solution. His expertise in mountain region real estate makes him invaluable for Utah-based transactions.

Matt is passionate about mountain biking and loves exploring Utah's trails whenever he gets the chance.

Ben Ehlert & Grace Ehlert

Utah Loan Officers | ben@usekeystone.com | grace@usekeystone.com

Ben and Grace work together to provide comprehensive loan services throughout Utah. Their combined expertise and dedication to client service ensures every borrower receives personalized attention and local market knowledge.

Ben and Grace love fly fishing together and exploring Utah's incredible hiking trails on weekends.

Bryan Schreiner

Loan Officer | ben@usekeystone.com

Bryan brings energy and dedication to helping clients achieve their homeownership goals. His commitment to finding the right loan solution makes him a valuable team member.

Bryan enjoys bike rides with his kids and playing sports - he's always up for a pickup basketball game.

We're a small handful of Utah and California natives, and we pride ourselves in customer satisfaction, loan pricing, and quick turn times. We are your wholesale mortgage broker of choice.

NMLS #150818
California #603K218
Utah #7444532