Keller Mortgage - Save Thousands of Dollars in Phoenix

Real Estate Agent with Keller Williams Realty Sonoran Living

What is Keller Mortgage and how can you save thousands of dollars when getting a mortgage?

Logo for Keller Mortgage


What is Keller Mortgage?

What is Keller Mortgage and how can you save thousands of dollars when getting a mortgage?  Keller Williams Realty, founder, Gary Keller is constantly looking for ways to add value for Keller Williams Agents while ensuring these agents continue to gain market share.  This focus by Gary led to the purchase of an existing bank (about 10 years old) which has become Keller Mortgage.


Keller Mortgage offers Zero loan origination fees, Zero lender fees, and Zero underwriting fees. In addition, on loans over $150,000, the buyer will get a $1000 credit toward 3rd party costs (ie. home inspection or appraisal)  Hence the product name of ZeroPlus Mortgage.


🙋 How can they do this?

The approach is simple.  Keller Mortgage doesn't spend money on marketing or online advertising.  Many mortgage companies spend millions of dollars on TV,  radio, internet, and social media advertisements.  Keller Mortgage redirects advertising money to lower lending fees for buyers.  This exclusive pricing is only available to a buyer working with a Keller Williams agent to buy a home, or a seller, listed with a Keller Williams Agent.  Can anyone else use Keller Mortgage?   Of course, but they will not receive this special program.


🤔 What does this mean for buyers?

Let’s look at an example of a buyer purchasing a $300,000 home with 10% down payment and a 600 credit score:

The loan amount would be $270,000.

 Saving $2,700  – 1% Loan Origination fee


 Saving $1,500   – Typical Processing and Underwriting Fees


 Saving $1,000  – Credit toward third-party costs (ie home inspection or appraisal)


 Total savings of $5,200 for a buyer 


 Will I get a Competitive rate?

So with these great savings on lender fees, will a buyer get a competitive interest rate?  Absolutely!  Keller Mortgage offers very competitive interest rates. Keller Mortgage is able to offer zero loan origination fee, no underwriting, and processing fees because they don't spend money on advertising. The interest rates from Keller Mortgage will always be very competitive.


🙋What kinds of loans does Keller Mortgage do?


Buyers can get the ZeroPlus loan for: Purchase of a Primary residence, Vacation home or  Investment Properties (1-4 units residential). Purchase and Refinances (for KW Agents and KW Transactions).

Conventional Fannie Mae and Freddie Mac – min. 3% down

Jumbo loans up to $3 million

FHA – with a minimum of 3.5% down

VA loans -  $0 down

USDA loans offering - $0 down 

 🙅 Are there loans that Keller Mortgage does not do?

Are there loans you can't get through Keller Mortgage?   Keller Mortage at this time does not do construction loans, any kind of renovation loans, HELOCs, reverse mortgages, land-only or manufactured homes.  They also will not lend on co-ops, non-warrantable condos or commercial property.

Are these loans available in all states?  As of this writing, ZeroPlus loans are not available in Hawaii, New York, Nevada or Utah.

 💵 How do I get a Keller  Mortgage?

How does a buyer apply for a ZeroPlus mortgage with Keller Mortgage? A Keller Williams agent would share their Keller mobile app with the prospective buyer. the buyer would then access Keller Mortgage via the Keller Williams mobile app to get fully preapproved.

How soon will an appraisal be ordered?   At Keller Mortgage, they want to be sure your loan process moves along quickly.    Appraisals are ordered as soon as the executed contract is presented to Keller Mortgage.  Typical appraisal fees are $450. The price may vary depending on the size and type of property and property location. If for some reason the loan does not close, the buyer is not charged for the appraisal. The $1000 buyer credit is used to offset the appraisal fee at the time of closing.

CLICK HERE for a link to Keller Mortgage

Keller Mortgage Logo


❓ Does it matter what mortgage company I use?

It really does matter what mortgage company you use.  Different banks have different loan programs.  Some "big box" banks, major national banks have limited types of loans and may typically qualify only higher FICO score buyers.  They often have set closing costs which may not be too competitive. They often do not have programs to help buyers understand what is needed to improve their credit scores.  Often they have a limited suite of loans, leaving buyers needing closing cost assistance to look elsewhere for funds.

Many local lenders have programs providing assistance for FHA down payments and closing costs.  The lender you use does matter and you need to find a lender who can best serve your needs as a buyer.  This is where a knowledgeable Real Estate agent can understand a buyer's needs and refer them to lenders to identify the best loan program for a given situation.  Keller Mortgage isn't for buyers with credit scores under 600, however, there are lenders and programs available for these buyers.  Just like buying a car or clothes, there is no "one size fits all".


Save thousands of dollars on your next purchase or home sale with Keller Mortgage using the ZeroPlusmortgage. Ask Me How


Keller Mortgage provides lender services from a none traditional perspective. This new mortgage provides online loan application and online submission of loan paperwork.  As soon as a client applies for a Keller Mortgage, they are automatically assigned to the most readily available loan office and becomes their single point of contact throughout the loan process.  Buyers who are more comfortable actually meeting with a lender may not find online lender comfortable.  But like Quicken loans and other online lenders, it can be very convenient for buyers to use Keller Mortgage online and save thousands when buying a home.


Here is what S. Darmody, an Agent in Ooltewah, Tn has to say:  "What a moment we had at closing. The closing agent was going over a mountain of papers, then a change in posture, a change in tone, and the listing officer got eye contact with my clients and smiled. “Well... this is the first I’ve seen where someone not only gets a no-fee loan but look at this line! Just look there where I’m pointing. I’ve never seen it… But your lender has GIVEN you $1000 towards the third party expenses associated with closing on a contract on top of saving you thousands on borrowing the mortgage. How lucky are you two!" My clients looked straight at me and with grateful smiles gave me all I’ve ever wanted in heartfelt appreciation for the good fortune of having chosen me as their agent. Thank you, Keller Mortgage, for growing my business and creating a buzz around my services as an agent that can DO MORE!

🙋 Can I use Keller Mortgage to refinance my home?

Yes, homeowners can refinance through Keller Mortgage.  Again, when referred from a Keller Williams agent, the homeowner refinancing can take advantage of the ZeroPlus loan origination fees, zero underwriting and processing fees.

So Keller Williams Realty is the number one Real Estate company in the world, the number one training company and now the top technology company?  How does this technology apply to a home buyer or seller?  Homebuyers want to save money when buying a home.  They want a real estate agent who can negotiate the best price on the house.  Finding a great house often starts with the Keller Williams Mobile app.  This easy to use mobile app provides buyers the opportunity to search for "Nearby Homes" as they drive through an area.  This mobile app also lets buyers take advantage of technology and apply online for the Keller Mortgage ZeroPlus loan easily and conveniently.


🤔 I have never heard of Keller Mortgage

 Here are some facts about Keller Mortgage you may not know:


  • Fact 1

Keller Mortage ZeroPlus uses an Innovative Business Model.  Traditional lenders charge more to cover the costs of local offices, expensive lead generation, advertising programs, and marketing agreements. By eliminating those costs, Keller Mortgage maximizes consumer savings on each transaction. This model makes it difficult for competing lenders to match ZeroPlus

  •  Fact 2

Better Professionals - Keller Mortgage loan officers are experienced and more productive.  They average 9+ years in the industry and 20+ loans per month (Traditional loan officers average 2.4 loans per month). Ask a Keller Mortgage loan officers about their 5-star ratings from agents and consumers

  • Fact 3

Volume -  The Model is high volume, low margin. Keller Mortgage does more loans than traditional lenders so consumers get a better deal!

  • Fact 4

Mortgage Competitors with local offices, marketing agreements, lead purchase programs, sponsorship agreements, and advertising costs are operating a traditional business model loaded with financial disadvantages. Keller Mortgage was designed by agents to deliver a better experience and save the consumer thousands.


🛑 Getting a Mortgage is only the first step

When buying a home, it is important what lender you use to get a mortgage for your home.  It is also important to have an experienced real estate agent helping you find that great home.  Real estate agents are not created equal!  You want an agent who knows the area you want to make your home.  It is important that the agent understands market values and helps you make the strongest offer for a property.  Even after your offer is accepted for a house, there are still two more critical negotiation points you and your real estate agent will need to address.

The first negotiation after you have an accepted offer is the home inspection and negotiating for any repairs you will ask the seller to make.  The second potential negotiation point will be the appraisal.  What if the house does not appraise for at least contract value? You want a real estate agent that can help negotiate the right sales price and ensure you get the house of your dreams at the right price!

For more information on Keller Mortgage, contact Shirley Coomer at Keller Williams Realty Sonoran Living.  602-770-0643, email at or visit our website CLICK HERE

I have never seen a better traditional loan in the market!


Contact the Shirley Coomer Group at Keller Williams Realty Sonoran Living

Mountain Park Ranch Real Estate


or Text: 602-770-0643 for more Real Estate information.

Posted by

Shirley Coomer

Keller Williams Realty Sonoran Living


15905 S 46th St, Ste 160

Phoenix, Az  85048


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Michelle Carr Crowe,Altas Just Call...408-252-8900!
Get Results Team...Just Call (408) 252-8900! . DRE #00901962 . Licensed to Sell since 1985 . Altas Realty - San Jose, CA
Family Helping Families Buy & Sell Homes 40+ Years

 Thanks for keeping us updated on Keller Mortgage in your local market area.

Aug 14, 2019 02:21 PM #1
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Shirley Coomer

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