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Keller Mortgage review

Pay no lender fees and get a $1,000 credit, but only when you use Keller Williams Realty.’s rating: 3.7 / 5.0


Keller Mortgage offers specialty mortgage loan programs and a credit on closing costs for eligible borrowers. But its rates and terms are unclear, and it doesn’t lend to residents of New York State.


Loan products offeredConventional, VA, USDA, FHA, Jumbo, Refinance
Minimum credit scoreConventional: 640
Minimum down payment (Conventional)3%
State availabilityNot available in: NY
NMLS #140234

Keller Mortgage requirements

To qualify for a mortgage with Keller Mortgage, you must have a minimum credit score of 640. Down payments start at 0% for USDA and VA loans, 3% for conventional loans, 3.5% for FHA loans and 20% for jumbo loans. The minimum loan Keller finances is $65,000.


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

  • Full name and personal contact
  • 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

Costs and 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.

Lenders typically charge loan fees that range between 2% to 5% of the total loan cost. During the loan closing process, your fees may include the following:

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

How to apply for a mortgage with Keller Mortgage

Keller’s application starts with a comprehensive preapproval process. You can apply for a preapproval using the following steps:

  1. On the Keller Mortgage website, select Apply Now in 7 minutes and choose whether or not you’re working with a Keller Williams agent. Hit Continue.
  2. Walk through prompts about the loan you’re looking for and select Continue.
  3. Enter your name and contact information. Choose Continue.
  4. Enter a password and confirm to set up an account.
  5. Step through questions to enter information about your assets and income, then answer questions about the property you’re interested in purchasing, if available.
  6. Answer declaration questions and enter your demographic information.
  7. Review your submitted information and hit Submit, which authorizes Keller Mortgage to obtain a copy of your credit report.

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

What types of mortgages can I get through Keller Mortgage?

  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo
This company accepts mortgage refinance applications.

Other mortgage products offered by Keller Mortgage

The only additional mortgage products Keller offers are refinancing options, which include cash-out refinancing to tap into your home’s equity.

Alternatives to Keller Mortgage

Keller is a digital-only lender that offers a standard array of home mortgage products, minus home equity loans. Where Keller stands out is in its speedy underwriting processes and ZeroPlus Program, offering zero lender fees and home loan discounts up to $1,000 at closing for loans over $150K.

But Keller isn’t the only fintech lender offering fast service and discounted fees. Better and Beeline are also highly rated 100% digital lenders with streamlined online applications, fast preapproval decisions and no origination fees on loans.

However, if you’d rather meet with a loan officer face to face, consider a more traditional lender like Guaranteed Rate, Freedom Mortgage or Mutual of Omaha. Find your perfect mortgage by comparing these lenders and lender marketplaces. Select See rates to get a personalized quote.

Name Product Loan products offered State availability Min. credit score
(NMLS #1121636)
Conventional, Home equity, Refinance
Not available in: HI, MO, NM, NY, WV
No hidden fees, multiple loan terms, and member discounts available.
Rocket Mortgage
(NMLS #3030)
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
Streamline your mortgage from quote to final payment — all from your computer or phone.
(NMLS #330511)
Conventional, Jumbo, FHA, Refinance
Not available in: HI, MA, MN, NV, NH, VT, VA
Online preapproval in minutes and no origination fees with this direct lender.
(NMLS #1136)
Conventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance
Available in all states
Connect with vetted home loan lenders quickly through this online marketplace.

Compare up to 4 providers

Keller Mortgage reviews and complaints

Keller Mortgage is not accredited with the Better Business Bureau (BBB) and has an F rating as of September 2021. The lender is rated 1.65 out of 5 stars with 20 customer reviews and has closed three customer complaints in the last three years.

Reviews are drastically different on Zillow. Customers on Zillow have rated Keller Mortgage 5 out of 5 stars based on a total of 41 reviews.

In general, some customers spoke highly of the quick and attentive responsiveness of their Keller Mortgage loan agents. Others report website malfunctions and confusing underwriting procedures.

Keller Mortgage pros and cons


  • Online preapproval. Complete the mortgage preapproval process online from the comfort of your home.
  • Discounted closing costs. The ZeroPlus Program offers eligible borrowers up to $1,000 in closing cost credits and waived lender fees on mortgages over $150,000, if they use Keller Williams Realty or buy a Keller Williams property.
  • 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.
  • Potential for pushy tactics. Throughout the application process, some customers report feeling pressured to use Keller Williams realty when buying a home.
  • Lack of transparency. Keller Mortgage offers no information on its loan terms, rates or fees on its website.

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.

Historical mortgage data for Keller Mortgage

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

Loan typeApplications deniedLoans originated$ Amount (originated loans)

Frequently asked questions

How can I get a loan without using a Keller Williams agent?

Yes, you can apply for a Keller Mortgage loan without a Keller Williams agent, but you will not be eligible for the ZeroPlus program.

How will applying for preapproval on the Keller Mortgage website hurt my credit score?

Keller Mortgage performs a hard credit check when processing your preapproval application, which could potentially drop your credit score by several points.

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.

Review by

Shannon Terrell is a senior writer for Finder who has written over 400 personal finance guides. With a focus on investments and personal finance, she breaks down jargon-laden topics to help others make informed financial decisions. She studied communications and English literature at the University of Toronto.

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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