Chris Foster is the owner of Keen Lending, an independent mortgage brokerage based in Waxhaw, North Carolina. With more than 15 years of mortgage industry experience, Chris helps homebuyers and homeowners navigate the financing process with clear communication, careful preparation, and practical guidance.
Chris believes borrowers should understand their mortgage - not simply be told which documents to sign. He takes the time to explain loan options, interest rates, closing costs, qualification requirements, and the financial tradeoffs involved in each decision. His goal is to make a complicated process easier to understand while helping clients choose financing that fits their circumstances and long-term goals.
As an independent mortgage broker, Chris can compare programs and pricing from multiple wholesale lenders rather than being limited to the products of a single bank. This flexibility allows him to assist with Conventional, FHA, VA, USDA, Jumbo, construction-to-permanent, renovation, bridge, and specialized loan programs for self-employed borrowers and clients with unique income situations.
Chris is known for strong, carefully reviewed pre-approvals, proactive communication, and taking due diligence seriously. He works closely with borrowers, real estate agents, builders, and other professionals to identify potential issues early, provide timely updates, and help keep transactions moving toward an on-time closing.
Chris has lived in Waxhaw for more than 10 years with his wife and two sons. His family attends Forest Hill Church, and he values being actively connected to the local community he serves. As both a local business owner and longtime resident, Chris brings a personal understanding of the area and the families who call it home.
Having owned Keen Lending for more than six years, Chris combines the experience of a longtime mortgage professional with the personal attention of a local business owner. He serves buyers and homeowners throughout North Carolina and is committed to being accessible, responsive, and straightforward from the first conversation through closing.
