About Matthew Keane
Matt Keane began his career in the mortgage industry in 1996. He is proud to have worked with only three companies over the course of his 22 years in the business. Matt is continually recognized for his high level of production and exceptional customer service. In addition to being a member of the President’s Club at Rate for the past 5 years, Matt has been named a “Top 1% Originator in America” by Mortgage Executive Magazine for years 2013, 2014, 2015, 2016 and 2017. Matt currently manages Rate’s office in Madison New Jersey. With an insight into the local market and the process of qualifying a loan in these changing times, Matt is sensitive to the different requirements of homebuyers and works to ensure that each mortgage fits his clients long and short term goals. Matt believes that each client and every business partner should receive the best service possible. That dedication, coupled with experience that includes reliable, hands-on, personalized attention, is how he is able to provide the impressive level of customer service that he's become infamous for. Matt was raised in West Orange, NJ and attended Seton Hall Preparatory High School. He earned his Bachelor of Science in Secondary Education from Kent State University. Since 1999, Matt has been a member of the Madison Fire Department. Matt and his wife, Anne Marie, have been married for 22 years and together they share four beautiful children; Matt, Jack, Connor and Lily.
The right advice could help you find the right mortgage for you. Let's work together.
Get approved in one day
The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.500% | 6.762% | 0.916 ($3206.00) | $2212.24 |
| 15-year fixed | 5.490% | 5.924% | 0.971 ($3398.50) | $2857.94 |
| FHA loan | 5.990% | 7.022% | 0.906 ($2765.57) | $1964.90 |
| VA loans | 5.990% | 6.505% | 0.678 ($2770.31) | $2447.14 |
| Jumbo loans | 6.250% | 6.465% | 0.941 ($8469.00) | $5541.45 |
* Rates current as of 4/1/2025 10:58 am, provided by Matthew Keane, for Morris County, NJ, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
- Monitor your loan status
- Connect with your loan team
- Calculators, tools, guides, and advice
- Track your home value
- Wellness tips to help you grow holistically
Download our app
Now available on
Located at 14 Main Street, Suite 140 Madison NJ, 07940