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Refinancing your mortgage can be a smart financial move, but timing is everything. Whether you’re hoping to lower your monthly payments, shorten your loan term, or tap into your home equity, it’s essential to assess your personal finances and current mortgage situation before making a decision. Here’s how to determine if refinancing is right for […]

The holiday season is a time for joy, celebration, and, often, spending. Between buying gifts, hosting gatherings, and traveling to see loved ones, it’s easy for expenses to pile up quickly. However, without careful planning, these festive expenditures can lead to a post-holiday hangover.   One of the most critical aspects of your financial health during

The summer season is typically a seller’s market. Buyers rush to close deals before school starts, often leading to higher prices and more competition. But as the season transitions into fall, the dynamic changes. Sellers who didn’t get offers during the busy summer months may become more willing to negotiate, particularly if their homes have

The real estate landscape is evolving once again with some of the most significant shifts the market has experienced in years, with long-lasting reverberations expected for decades to come. These changes come as The National Association of REALTORS® (NAR) reached a historic agreement on August 17, 2024, modifying how many real estate professionals are paid

For many first-time homebuyers, saving for the downpayment of a home is not only the first step, but the most significant step toward homeownership. In fact, according to recent research from the National Association of REALTORS®, 38% of first-time homebuyers said saving for a downpayment was the most difficult step in the process and roughly

In the world of real estate and home buying, finding the perfect home often means striking a balance between vision and reality. You may stumble upon a property that captures your heart but needs a bit of work to truly become your dream home. This is where the FHA 203(k) loan steps in as a

If you’re like many homeowners, you might be eying a future home improvement project. From kitchens to bathrooms, home offices and gyms, the pandemic spurred a need for an array of amenities to be built within the home. In fact, according to a report by the Joint Center for Housing Centers of Harvard University (JCHS),

From first-time homebuyers to long-time homeowners, renovation loans can provide the financial flexibility needed to upgrade and customize living spaces according to unique preferences and needs, without the immediate financial strain of a large upfront renovation cost. They’re a popular option for making a home feel new again and according to the National Association of

Owning a home is a major milestone with many perks. Financially, it’s a smart investment, allowing you to build equity and enjoy tax benefits like deductions on mortgage interest and property taxes. Beyond money matters, having your own home means stability, a sense of community, and the freedom to make your space truly yours. This

Are you self-employed and dreaming of owning your own home? At Keller Home Loans, we understand the unique challenges faced by entrepreneurs, freelancers, and business owners when it comes to securing a mortgage. That’s why we’re thrilled to introduce our innovative bank statement loan program, designed specifically to cater to the needs of self-employed individuals.