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Keller Mortgage review

Last updated:’s rating: 3.7 / 5.0


Get up to $2,000 in closing credits, but only when you purchase through Keller Williams Realty.

Keller Williams offers specialty loan programs and closing credits for eligible borrowers. But its rates and terms are unclear and it doesn’t lend to residents of New York State.


Loan types Conventional, VA, USDA, FHA, Jumbo, Refinance
Minimum credit 600
Minimum down payment 0%
Origination fee As low as $0 (with ZeroPlus program)
Other fees Keller Mortgage doesn’t disclose any fee information on its website. Instead, it claims to provide personalized rate and fee estimates at the time of application based on the property and financial profile of its borrowers.
Available States Not available in: NY
NMLS 140234


  • Online preapproval.
  • Discounted closing costs.
  • Low down payment options.


  • Not available in New York.
  • Poor customer feedback.
  • Lack of transparency.
Keller Mortgage receives an A+ rating from the Better Business Bureau (BBB) based on six customer reviews and two filed complaints. As of this writing, Keller Mortgage is not an accredited business with the BBB. Keller Mortgage also has a Google rating of 2.1 out of 5 stars based on 11 customer reviews.

Some customers spoke highly of the quick and attentive responsiveness of their Keller Mortgage loan agents. Others complain of website malfunctions and confusing underwriting procedures.

What types of loans does Keller Mortgage offer?

Keller Mortgage’s suite of home loan products includes conventional loans, FHA loans, VA loans, USDA loans, jumbo loans and mortgage refinancing.


Fixed- and adjustable-rate loans start at $65,000 with down payments as low as 3%.


Federal Housing Administration loans offer more lenient lending requirements and down payments that start at 3.5%.


Service members and their families may qualify for a Veterans Affairs loan with $0 down payment options.


Properties in qualifying rural areas may be eligible for USDA loans with low or no-down payment options.

Other loans offered by Keller Mortgage

Explore Keller Mortgage’s refinancing options to access more competitive rates and terms, or take advantage of cash-out refinancing to tap into the equity in your home.

Keller Mortgage fees

Keller Mortgage doesn’t disclose any fee information on its website. Instead, it claims to provide personalized rate and fee estimates at the time of application based on the property and financial profile of its borrowers.

Most lenders typically charge loan fees that range between 2% to 5% of the total loan cost. During the loan closing process, be prepared to encounter the following fees:

  • Appraisal
  • Home inspection
  • Document preparation
  • Credit report
  • Title charges
  • State taxes
  • Private mortgage insurance
  • Taxes

Keller Mortgage ZeroPlus Program

The Keller Mortgage ZeroPlus Program offers home loan discounts that waive the origination fee, offer $1,000 toward third-party fees and a $1,000 closing credit on home loans over $150,000.

To qualify for the ZeroPlus Program, applicants must use a Keller Williams agent.


To qualify for a loan with Keller Mortgage, you must have a minimum credit score of 600. Down payments start at 0% for USDA and VA loans, 3% for conventional loans and 3.5% for FHA loans.


Before you begin the preapproval process, gather the following information:

  • Full name and personal contact information
  • Social Security number
  • Pay stubs from the past 30 days
  • W2s and 1099s from the past two years
  • Personal tax returns from the past two years
  • Profit and loss statements, if self-employed
  • List of your assets — including savings, real estate, car titles, retirement accounts and other investment records

Pros and cons of Keller Mortgage


  • Online preapproval. Complete the loan preapproval process online from the comfort of your home.
  • Discounted closing costs. The ZeroPlus Program offers eligible borrowers up to $2,000 in closing credits and waived lender fees.
  • Low down payment options. Keller Mortgage offers both no and low down payment options, including 0% for USDA and VA loans, 3% for conventional loans and 3.5% for FHA loans.


  • Not available in New York. Keller Mortgage lends in all states except New York.
  • Poor customer feedback. Between complaints from Google reviews and the Better Business Bureau, Keller Mortgage’s loan officers don’t appear to have a favorable track record.
  • Lack of transparency. Keller Mortgage offers no information on its loan terms, rates or fees on its website.

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How to get a home loan with Keller Mortgage

  1. Start the preapproval process by going to Keller Mortgage’s website and clicking Apply Now.
  2. Enter your full name, phone number, marital status and current residential address. Click Continue.
  3. Tell Keller Mortgage more about the property you’d like to purchase, including the purchase price, down payment amount and loan amount you’d like to apply for. Click Continue.
  4. Tell Keller Mortgage more about your assets, including checking and savings accounts, stocks and bonds and retirement accounts. Next, enter your income and employment information. Click Continue.
  5. Review Keller Mortgage’s questions about your financial history. Then, you may choose to participate in or opt out of Keller Mortgage’s demographic questionnaire. Click Continue.
  6. Tell Keller Mortgage more about your employment history, education, dependents and additional real estate assets. Click Continue.

Make sure to review your submitted information and make any necessary changes. When you click Submit, you authorize Keller Mortgage to obtain a copy of your credit report.

Once you submit your application, a Keller Mortgage loan officer contacts you to discuss your application.

What is Keller Mortgage?

Keller Mortgage is headquartered in Dublin, Ohio and is a direct business affiliate of Keller Williams Realty ⁠— one of the largest real estate franchises in the US with over 1,000 offices and 180,000 associates.

Keller Mortgage specializes in mortgages and offers special discounts through its ZeroPlus Program from borrowers purchasing or selling a home through Keller Williams agents.

Historical mortgage data for Keller Mortgage

All numbers based on 2019 nationwide data from the Home Mortgage Disclosure Act.

Loan type Applications denied Loans originated $ Amount (originated loans)
Conventional 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

Frequently asked questions

Home loans ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top home loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, product selection and borrower experience.

Read the full methodology of how we rate home loan providers.

Expert review

Shannon Terrell

Review by

Shannon Terrell is a writer for Finder who studied communications and English literature at the University of Toronto. On any given day, you can find her researching everything from equine financing and business loans to student debt refinancing and how to start a trust. She loves hot coffee, the smell of fresh books and discovering new ways to save her pennies.

Expert review

An affiliate of Keller Williams Realty, Keller Mortgage is good for lenders looking for low down payment, with options like FHA, VA and USDA loans. But online feedback from customers is less than favorable and you’ll need to complete the entire preapproval process for access to potential rates and fees.

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