Everyone gets the friends and family treatment at McKay Mortgage
In 2013, when new regulations and stricter guidelines made it harder than ever for families to get a mortgage, most saw obstacles. Brendan and Tina McKay—a mother and son team—saw an opportunity. Together, they launched a family-owned mortgage brokerage built on trust, experience, and a shared passion for helping people achieve homeownership.
With decades of expertise in underwriting and operations, Tina and Brendan brought something rare to their clients: a deep understanding of how loans really get closed—and how to prevent problems before they ever reach the client. That behind-the-scenes knowledge allowed them to make the mortgage process smoother, easier, and far less stressful for the families they served.
What started with Brendan originating loans on nights and weekends quickly grew. Within a year, they opened their own branch, and just a few years later, they founded McKay Mortgage. Since then, the team has helped more than 1,300 families secure over $600 million in home financing.
For the McKays, this isn’t just business—it’s family helping families, backed by expertise you can trust and a process designed to make home buying simple.
Our Mission
“It’s not my job to sell you anything. It’s my job to educate you so you feel confident enough to make smart decisions. More often than not, we’re part of that decision—and if we’re not, that’s okay too.“ – Brendan McKay
At McKay Mortgage, we believe no one wants to be sold a mortgage—they want to be educated. When you understand the process, you’re in control, and what can feel overwhelming suddenly becomes exciting. That’s our role: to guide, simplify, and remove the stress from one of life’s biggest financial decisions.
We’re committed to delivering both the best service and some of the sharpest rates on the market. Here’s how we do it:
- Tight Margins, Low Overhead
Mortgages, like any product, are affected by the margins of the company selling them. By staying intentionally small, avoiding expensive marketing campaigns, and relying on referrals instead of paid relationships, we keep our costs low—and pass those savings directly to you. - Independence Matters
As an independent mortgage brokerage, we’re not tied to a single bank or lender. We shop your loan across the nation’s top lenders to find the best possible terms for your specific situation.
The result? A smoother, lower-stress experience—backed by expertise, honesty, and competitive pricing.
Your hometown mortgage experts!
McKay Mortgage Company is a local, family owned residential home mortgage company. We specialize in great rates, unmatched professional knowledge, integrity and impeccable customer service. Everyone gets the friends and family treatment at McKay Mortgage.
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Are you trying to figure out if renting or buying a home is better for you? Try using our Rent vs Buy Calculator to see what makes sense for you…
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Buying is cheaper than renting after
If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented.
But you will own in equity of your home with an appreciated value of .
If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented.
You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting
Home equity after
1 year
years
TOTAL COST
YEARS
Costs over
Monthly Cost (after )
Yearly Cost (after )
Total Cost (after )
Rent
Buy
Difference
$0
$0
$0
Rent
Buy
Difference
$3,019
$92,453
$89,434
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs
These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs
Calculating the Cost of Renting
The cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
- Monthly rent payments
- Security deposit (typically equal to one month's rent)
- Renters insurance (annual premium)
- Down payment
- Closing costs (typically 2-5% of the home's value)
- Monthly mortgage payments (principal and interest)
- Property taxes
- Homeowners insurance
- Private Mortgage Insurance (PMI) if applicable
- HOA fees (if applicable)
- Maintenance and repairs
- Home improvements and renovations
- Annual home appreciation rate: %
- Annual rent increase: %
- Renters insurance: $ per year
- Home maintenance and repairs: % of home value per year
- Home improvements and renovations: % of home value per year
- Selling costs when you sell the home: % of home value
Check out our other mortgage calculators
Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.
