The current real estate market may be shifting, but there is still plenty of opportunity for agents. “Over the next several months, the housing market will be more in line with pre-pandemic market conditions,” shares KW chief economist Ruben Gonzalez. Loralynne Ball, head of retail sales for Keller Mortgage, has an even sunnier assessment. “Though mortgage rates are rising from the incredible lows we experienced last year, they’re still not at all what we’d consider high. Now is still a great time to get home financing.”
To help real estate professionals connect their clients to the financing they need, Keller Mortgage has an army of knowledgeable professionals excited to assist in all kinds of transactions. “As a partner of Keller Williams, our loan officers are here to provide your clients with the easiest home financing experience available,” says Ball. “We have decades of combined experience working with local homebuyers, understanding their unique financial situations, and navigating federal and state lending policies to help them select a loan program that best achieves their short- and long-term goals.”
To leverage the vast experience of their loan officers, Keller Mortgage has created a portfolio of products with an equally diverse array of options to allay the fears of even the most anxious consumers. Below is an overview of some of their latest offerings. For a full list, head to KellerMortgage.com and connect with one of their experienced loan officers.
Keep Eager Clients Hungry with Offer Ready
Offer Ready is Keller Mortgage’s fully underwritten pre-approval program created to help buyers bid with confidence. By providing faster loan approval and stronger purchase offers, Offer Ready helps clients enter the market prepared to impress sellers as soon as they see a property that piques their interest. Clients can also track their status, upload and manage documents, and communicate with their loan officer directly from the Keller Mortgage online portal.
Block Rate Hikes with Lock and Shop
Lock and Shop prevents changing interest rates from dampening clients’ home-shopping excitement by locking in rates for as many as 120 days while they shop. And if rates change in their favor, clients have the option to reset their rate to current market conditions within 60 days of closing. Lock and Shop rates come with no upfront fee and apply to primary or secondary homes for conventional loan products.
Planting Roots with Manufactured Home Loans
Whether your clients are looking for a primary residence or a dedicated vacation spot, Keller Mortgage offers loans to purchase double-wides (or larger) manufactured homes as long as they are set on a foundation. Homes must also be located on the original build site, titled as “real property,” and built after June 15, 1976. If your clients have a 620+ credit score and the means to make a 3% down payment, and if the property passes a full inspection, they could be the perfect candidate for a manufactured home loan.
Jumbo Loans for Big Spenders
For those interested in purchasing a high-end residence, a luxury investment property, or a home in an expensive part of the country, a jumbo loan could be just what they need to finance it. Jumbo loans can provide qualified borrowers up to $3 million toward the purchase of properties that are too expensive for traditional conforming loans. Whether they’re on the market for a 1- to 4-unit residence, secondary home, or investment property, Keller Mortgage is prepared to provide jumbo loans to clients with a 661+ credit score and the means to make a 10% down payment.
While these products practically sell themselves, Keller Mortgage representatives are ready to clear up any confusion or concerns. “If your clients are wondering whether now is the right time to finance a home, let our loan officers help answer their questions,” Ball suggests. And if clients aren’t the only ones with questions about this competitive edge, the For Agents section of the Keller Mortgage website contains deeper product descriptions and contact information to help any agent become fluent in the language of mortgages.
Keller Mortgage, LLC NMLS #140234, www.nmlsconsumeraccess.org. Equal Housing Lender. Licensed in 50 states. 4725 Lakehurst Ct. Suite 400 Dublin, OH 43016 (888)766-2678. Keller Mortgage LLC is an affiliated business of Keller Williams Realty International. AK 140234; AZ 0923263; CA 4131187: Licensed by Dept. of Financial Protection & Innovation, under the CA Residential Mortgage Lending Act; Georgia Residential Mortgage Licensee; KS MC.0025484; MA: Mortgage Lender License #ML 140234; MO: 16690 Swingley Ridge Rd Ste. 240 Chesterfield, MO 63017; NJ: Licensed Mortgage Lender-NJ Dept. of Banking; NY: Licensed Mortgage Banker- NYS Department of Financial Services; OR: License #ML-5189; RI: Licensed Lender. All loans subject to credit approval. Rates subject to change. Restrictions may apply.