You’ll connect with a Keller Mortgage loan officer and we’ll discuss your goals and talk about loan options.
What May Happen
Short- and long-term goals
High-level budget
Austin Keller
I am Austin Keller and I am the Loan officer for an amazing lending team.
I was licensed in 2019 for the state of Ohio. I have helped many agents and clients achieve their financial goals by giving them support through my expertise in home lending. Although Disc Golf may be my hobby, helping my agents and clients find the perfect mortgage solution is what gives me the most fulfillment.
RefinancingPurchaseConventionalVAFHAUSDA RuralFirst Time Home Buyers
2 years
English
1495056
OH
4725 Lakehurst Ct. Suite 400, Dublin, OH
Things to consider along the way
First-Time Homebuyer’s Guide (Part One)
First-time homebuyer fears can range from “I can’t afford to buy a home” to “I can’t buy a home because my credit score is too bad.” While it can be natural to have these thoughts, it’s important to face fears with facts. Let's take affordability, for instance.
First-Time Homebuyer’s Guide (Part Two)
In part two, we will explore three more components of the first-time homebuying experience so you can embark on it with ease and confidence. Each magnificent tip below is brought to you courtesy of Your First Home (Second Edition), authored by Gary Keller and Jay Papasan.
Our purchase process & what you’ll need
You’ll connect with a Keller Mortgage loan officer and we’ll discuss your goals and talk about loan options.
What May Happen
Short- and long-term goals
High-level budget
You’ll connect with a Keller Mortgage loan officer and we’ll discuss your goals and talk about loan options.
What May Happen
Short- and long-term goals
High-level budget
You’ll connect with a Keller Mortgage loan officer and we’ll discuss your goals and talk about loan options.
What May Happen
Short- and long-term goals
High-level budget
You’ll connect with a Keller Mortgage loan officer and we’ll discuss your goals and talk about loan options.
What May Happen
Short- and long-term goals
High-level budget
You’ll connect with a Keller Mortgage loan officer and we’ll discuss your goals and talk about loan options.
What May Happen
Short- and long-term goals
High-level budget
You’ll connect with a Keller Mortgage loan officer and we’ll discuss your goals and talk about loan options.
What May Happen
Short- and long-term goals
High-level budget
There’s a lot to think about
The market
Yes, now is a good time to buy as interest rates are still favorable, especially historically speaking. However, with low inventory, growing home prices and interest rates, it could make buying a home more difficult. Monitoring the market conditions and keeping an eye on inventory is a great option if you have time on your side. Don’t forget that this is a long-term, big picture investment. Be sure to review your finances and goals. This will help you determine if now is a good time to buy.
Our loan officers are happy to give you a holistic picture of your loan compared to other options using a total cost analysis. It will compare loan terms, pricing, and options to give you a clear understanding how each would affect your financial position over time. Through this analysis you may find a better loan option, or you very well may already have the best one. Find a loan officer to get started!
That is our specialty! As you and your real estate agent work with one of our experienced loan officers, they will review your unique financial position and help you determine what works best for your budget and financial goals. We’ll run scenarios on each home to identify how much you’ll need to borrow over specific amounts of time so you can have a clear understanding of what you can afford.
The jargon
This is the ratio of all your monthly debt payments, including the payment for your new mortgage, divided by your gross monthly income. This ratio is one way a lender determines your ability to manage your monthly mortgage payments and repay your loan.
Closing costs are fees and expenses for completing your mortgage loan transaction. These costs are typically 3%-6% of the loan amount and may include origination fees, taxes, insurance premiums as well as title and record filing fees. Keller Mortgage is required by law to provide you with a loan estimate when you submit certain information including your name, social security number, income, subject property address, estimated property value, and estimated loan amount.
This is a type of insurance that protects the lender against losses while allowing you, the borrower, to qualify for mortgage financing with a down payment of less than 20% and as low as 3% of the purchase price.
Our loan officer was great to work with an extremely responsive and explained the process well.
Kristin M.
Keller Mortgage Client
Fridley, MN
