Keller Home Loans is pleased to offer the ONE+ mortgage program, allowing borrowers to purchase a home for as little as 1% down! This exciting program is designed to bring homeownership within reach with an affordable low down payment option.

• 1% down payment
• 2% grant provided by the lender
• Reduced private mortgage insurance (PMI) 
• Primary residence only
• Maximum loan amount of $350,000

The Keller Assist DPA Loan Program is a game-changing opportunity designed to support your clients in achieving homeownership with ease. With 100% financing for FHA loans and ZERO down payment requirements (closing costs still apply), this program opens doors for more buyers, expanding your potential client base.

• No Income Limits: Eligibility isn't restricted by stringent income requirements.
• Minimum 600 FICO Score: Flexibility for clients with less-than-perfect credit scores.
• Non-Occupant Co-Borrowers Allowed: Accommodating diverse financial arrangements, fostering inclusivity.

Let your offer stand out in a competitive housing market. When you are Offer Ready pre-approved by Keller Home Loans, you loan will close faster and your purchase offer will stand out against the competition.

At Keller Home Loans, we are thrilled to introduce a program that will allow us to get you pre-approved for a home loan with only a soft pull of your credit. We call this program Offer Ready Plus+.

• With this program, you can now access your credit results without worrying about any negative impact on your credit score. We understand how important your credit is, and we’ve eliminated any risk to ensure you can explore your options with peace of mind.
• Be fully pre-approved and underwrite your entire loan before you find a property. This allows you to present an offer that’s as good as cash or even better.
• Streamline and expedite the mortgage process once you do find a home you wish to purchase.

Our Wealth Builder Loan program is tailored to investors who are self-employed or have difficulty qualifying for traditional financing due to high debt-to-income ratios. By focusing on the property’s ability to generate income, we provide a financing solution that looks beyond your personal credit and income history.

• Down payments as low as 20%
• Credit scores as low as 640 FICO
• Minimum loan amount $100k
• Maximum loan amount $2M
• No personal income required to qualify and no tax returns
• Borrowers qualify based on rental analysis to determine property cash flow
• Residential properties only
• 1-4 Unit Properties
• Properties can be in LLC’s name

Keller Home Loans is a Nationwide Lender offering a Zero Plus Loan Program exclusively to our clients. Zero Plus means that they don’t charge the traditional lender fees, like an Origination Fee, Processing Fee, Underwriting Fee, etc. And for loans over $150,000, they give you an additional $1,000!

• Zero Origination Fee
• Zero Processing Fee
• Zero Underwriting Fee
• Low Rates
• $1000 closing credit (Loan amount must be at least $150,000)

Apply for a new mortgage with more favorable terms. You can refinance to get a lower interest rate, to get a different type of loan without mortgage insurance payments, or to change the number of years to pay off your loan. It’s also common to get cash out of a refinance to consolidate high-interest debt, fund home improvements, or have cash for other needs.

• Refinance to a conventional, FHA, or VA loan.
• Access your home's equity for home projects, college costs, or to pay off high-interest debt.
• Shorten the length of your term to pay off your loan faster.

CHOICEReno eXPress allows homebuyers to include renovation costs in the mortgage financing to assist in addressing the aging housing supply, the need for affordable housing and the increasing demand for aging-in-place housing solutions.

A mortgage buydown is a financing technique where a borrower pays an upfront fee to the lender in exchange for a reduced interest rate on the mortgage loan. The buydown can be temporary or permanent, depending on the terms of the agreement. Keller Home Loans is pleased to offer a variety of temporary buydown programs to borrowers looking to lower their monthly payments or increase their purchasing power.

Whether you’re looking to purchase a manufactured home as your primary residence or vacation home for your family, we offer financing for qualified buyers with as little as 3% down.

• Finance up to 97% of the home's value. 620 minimum credit score.
• Available for manufactured doublewide or larger.