March 2, 2021
Keller Mortgage review February 2021

Keller Mortgage evaluation February 2021

Keller Mortgage necessities

To qualify for a mortgage with Keller Mortgage, you could have a minimal credit score rating of 640. Down funds begin at 0% for USDA and VA loans, 3% for typical loans, 3.5% for FHA loans and 20% for jumbo loans. The minimal mortgage Keller funds is $65,000.


Earlier than you start the preapproval course of, collect the next data:

  • Full title and private contact data
  • Social Safety quantity
  • Pay stubs from the previous 30 days
  • W2s and 1099s from the previous two years
  • Private tax returns from the previous two years
  • Revenue and loss statements, if self-employed
  • Listing of your property — together with financial savings, actual property, automotive titles, retirement accounts and different funding information

Prices and costs

Keller Mortgage doesn’t disclose any payment data on its web site. As a substitute, it claims to offer customized fee and payment estimates on the time of software based mostly on the property and monetary profile of its debtors.

Lenders usually cost mortgage charges that vary between 2% to five% of the entire mortgage price. Through the mortgage closing course of, your charges might embody the next:

  • Appraisal
  • House inspection
  • Doc preparation
  • Credit score report
  • Title expenses
  • State taxes
  • Private mortgage insurance
  • Taxes

How one can apply for a mortgage with Keller Mortgage

Keller’s software begins with a complete preapproval course of. You’ll be able to apply for a preapproval utilizing the next steps:

  1. On the Keller Mortgage web site, choose Apply Now in 7 minutes and select whether or not or not you’re working with a Keller Williams agent. Click on Proceed.
  2. Stroll by prompts concerning the mortgage you’re searching for and choose Proceed.
  3. Enter your title and get in touch with data. Choose Proceed.
  4. Enter a password and ensure to arrange an account.
  5. Step by inquiries to enter details about your property and earnings, then reply questions concerning the property you’re interested by buying, if out there.
  6. Reply declaration questions and enter your demographic data.
  7. Evaluation your submitted data and click on Submit, which authorizes Keller Mortgage to acquire a duplicate of your credit score report.

When you submit your software, a mortgage officer contacts you to debate your software.

What kinds of mortgages can I get by Keller Mortgage?

This firm accepts mortgage refinance purposes.

Different mortgage merchandise provided by Keller Mortgage

The one further mortgage merchandise Keller provides are refinancing choices, which embody cash-out refinancing to faucet into your own home’s fairness.

How Keller Mortgage’s merchandise examine to different lenders

Keller provides a fairly commonplace array of dwelling mortgage merchandise, however not one of the dwelling fairness loans or traces of credit score you’d anticipate from a conventional financial institution. The place Keller stands out is in its ZeroPlus Program, which provides dwelling mortgage reductions that waive the origination payment, supply $1,000 towards third-party charges and embody a $1,000 closing credit score on dwelling loans over $150,000.

To qualify for the ZeroPlus Program, candidates should use a Keller Williams agent.

Evaluate mortgage lenders

Evaluate prime manufacturers by dwelling mortgage kind, state availability and credit score rating. Choose See charges to offer the lender with primary property and monetary particulars for customized charges.

Title Product

Standard, Jumbo, FHA, Refinance

Not out there in: HI, MA, MN, NV, NH, VT, VA


On-line preapproval in minutes and no origination charges with this direct lender.


Standard, Jumbo, FHA, VA, USDA, House Fairness, HELOC, Reverse, Refinance

Obtainable in all states


Join with vetted dwelling mortgage lenders rapidly by this on-line market.


Standard, House fairness, Refinance

Not out there in: AK, HI, MO, NH, NM, NY, SD, WV


No hidden charges, a number of mortgage phrases, and member reductions out there.

Axos Bank

Standard, Jumbo, FHA, VA, House Fairness/HELOC, Refinance

Obtainable in all states


Buy, refinance, and residential fairness choices out there with lender charges as little as $0 (restrictions apply).

Alternatively, use the shape under to match charges from a number of lenders on LendingTree’s safe website.

Keller Mortgage opinions and complaints

Keller Mortgage just isn’t accredited with the Higher Enterprise Bureau (BBB) however has an A+ ranking as of December 2020. The lender has simply shy of two stars with 15 buyer opinions and has closed its solely buyer grievance. Keller Mortgage additionally has a Google ranking of two.2 out of 5 stars based mostly on 24 buyer opinions.

Some clients spoke extremely of the fast and attentive responsiveness their Keller Mortgage mortgage brokers demonstrated. Others complain of web site malfunctions and complicated underwriting procedures.

Execs and cons of Keller Mortgage


  • On-line preapproval. Full the mortgage preapproval course of on-line from the consolation of your own home.
  • Discounted closing prices. The ZeroPlus Program provides eligible debtors as much as $1,000 in closing price credit and waived lender charges on mortgages over $150,000, in the event that they use Keller Williams Realty or purchase a Keller Williams property.
  • Low down fee choices. Keller Mortgage provides each no and low down fee choices, together with 0% for USDA and VA loans, 3% for typical loans and three.5% for FHA loans.


  • Not out there in New York. Keller Mortgage lends in all states besides New York.
  • Potential for pushy ways. All through the appliance course of, some clients report feeling pressured to make use of Keller Williams realty when shopping for a house.
  • Lack of transparency. Keller Mortgage provides no data on its mortgage phrases, charges or charges on its web site.

What’s Keller Mortgage?

Keller Mortgage is headquartered in Dublin, Ohio and is a direct enterprise affiliate of Keller Williams Realty ⁠— one of many largest actual property franchises within the US with over 1,000 workplaces and 180,000 associates.

Historic mortgage knowledge for Keller Mortgage

All numbers based mostly on 2019 nationwide knowledge from the House Mortgage Disclosure Act.

Standard 278 8,915 $2,326,045,000
FHA 89 1,618 $368,680,000
VA 48 940 $263,220,000
USDA 8 81 $14,575,000

Incessantly requested questions

House loans scores

★★★★★ — Wonderful

★★★★★ — Good

★★★★★ — Common

★★★★★ — Subpar

★★★★★ — Poor

We analyze prime dwelling mortgage suppliers and fee them one to 5 stars based mostly on components which are most essential to you. These components embody: charges and costs, product choice and borrower expertise.

Learn the total methodology of how we fee dwelling mortgage suppliers.