Everything you need to know, and more

About keller mortgage

We are a digital company, you can find us through any KW agent or across the KW digital ecosystem. However, if you are ever in Dublin, OH, you can stop by our main office.

Keller Mortgage has some of the most experienced and accomplished loan officers in the industry. On average, Keller Mortgage Loan Officers close over 20 deals/month and have more than 9 years experience

ZeroPlus is Keller Mortgage’s Loan program, exclusively available through Keller Williams. You can save thousands of dollars with ZeroPlus, and the benefits include:

  • Zero lender fees
  • Plus $1,000 credit at closing*
  • Plus a discounted rate
*$1000 credit applies to loans over $150k

The only requirement for using the ZeroPlus Loan program, is that you are working with a Keller Williams agent, office or buying a Keller Williams listing. Contact your KW Agent for more details. You can also get started through the “Apply Now” button, located at the top of this page.

Yes, refinances are a part of the ZeroPlus program, as long as you were referred by a Keller Williams agent. If you don’t have an agent, we can connect you with one.

About loans

Conventional

Refers to any residential mortgage loan that is not insured or guaranteed by the federal government. Conventional loans include loans made for a primary, investment, or secondary home. Through Conventional financing, borrowers can purchase their home with a minimum 3% down payment.

FHA

An FHA loan is a federally backed mortgage insured by the Federal Housing Administration (FHA). These loans come with certain restrictions and loan limits not found in conventional mortgages. FHA home loans allow for lower minimum credit scores and down payment requirement than many Conventional loan products. Through FHA financing, borrowers can purchase their home with a minimum 3.5% down payment.

VA

A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the US military. Through VA financing, borrowers can purchase their home with a minimum 0% down payment.

USDA

A USDA Loan is a mortgage loan offered to rural property owners by the United States Department of Agriculture (USDA). These loans come with certain restrictions such as property location eligibility and borrower/household income limitations. Through USDA financing, borrowers can purchase their home with a minimum 0% down payment.

Jumbo

A Jumbo mortgage loan is a mortgage loan in an amount above the conventional conforming loan limits (the standard being set by Fannie Mae and Freddie Mac). Financing option include loans for primary, investment, and secondary homes. Through Jumbo financing, borrowers can typically expect a minimum required 20% down payment (although other options for reduced down payment may be available).

Keller Mortgage encourages buyers to submit a complete loan application and their financial docs, right up front. Not only does this give buyers the strongest pre-approvals, but upon getting financial docs, we will have an underwriter review the application within 24 hours. That puts agents in the best position to make a strong offer when buyers find that perfect home.

Keller Mortgage can offer great deals because we are technology-based and uniquely positioned with the largest Real Estate company in the world. We save money on marketing, office rents, and expensive on-site loan officers. We then pass on the savings directly to the consumer!

Keller Mortgage is licensed to do business in all states but New York. Click here for all licensing information.

The minimum credit score we accept for customers applying for loans is 640.

You can access our rate calculator within our pre-application tool, that will help you see how competitive rates are every single day. Do keep in mind that rates will vary depending on your credit score, down payment, property type, loan type, or occupancy. Our loan officers can generate a locked rate after you submit the required documentation.

Pre-qualifications are usually just a conversation between you and a loan officer. These conversations ask basic questions and guess what kind of buyer you are, and what you can qualify for in a home. These often lead to:

  • You searching for your dream home in an inaccurate price range
  • Poor pre-qualification letters can decrease your chance of having a strong contract written on your dream home.
  • These pre-qualifications can also lead to late or even cancelled closings.
Keller Mortgage Pre-approvals include a full free underwriting review of both your application information as well as all supporting documentation. These include:
  • Verified documentation of the borrower
  • The ability to confidently shop with your KW agent in the correct price range.
  • Secure a STRONG pre-approval letter so that you can confidently put in an offer on your PERFECT home.
  • Stress free process to closing.

The minimum loan amount is $65,000. We can only offer $1,000 credit on loan amounts $150,000+.

Check your US Mailbox. You will have a letter from Keller Mortgage saying “send it to us” OR a letter from the NEW payment servicer with the NEW address. Keller Mortgage’s first payment address is: Keller Mortgage LLC ATTN: Payment Processing PO Box 639078 Cincinnati, OH 45263 Any questions should be sent to firstpayment@kellermortgage.com.

If your first mortgage payment is due to Keller Mortgage, you can now make your payment right here.

Call us

Our Customer Support team is on hand to provide information and answer any questions you have

888-766-2678