Frequently Asked Questions

A Guide to Keller Mortgage

Keller Mortgage is headquartered in Dublin, OH.

On average, Keller Mortgage Loan Officers close over 20 deals/month and have more than 9 years experience.

ZeroPlus is:

  • Zero Lender Fees
  • Plus $1,000 Toward 3rd Party Costs*
  • and a great, low rate!

The ZeroPlus Loan Program is EXCLUSIVELY available through KW Agents.
*$1000 credit applies to loans over $150k

The only requirement for using the ZeroPlus Loan program, is that you are working with a Keller Williams agent, or buying a Keller Williams listing.  Contact your KW Agent for more details. You can also get started through the “Apply Now” button, located on the home page of this website.

Yes, refinances are a part of the ZeroPlus program, as long as you were referred by a Keller Williams agent.


  • Primary, Vacation, and Investment homes (Residential 1-4 Units)
  • Purchase and Refinance (cash-out too)
    • Conventional –min. 3% down payment (all can be gift for qualified applicants)
    • Fannie Mae – DU
    • Freddie Mac – LP
  • FHA – min. 3.5% down payment
  • VA – $0 down payment
  • USDA – $0 down payment
  •  JUMBO – up to $3 million

Keller Mortgage encourages buyers to submit a complete loan application and their financial docs, right up front. Not only does this give you and your buyers the strongest pre-approvals, but upon getting financial docs, we will have an underwriter review your clients application within 24 hours. That puts you in the best position to make a strong offer when your clients find that perfect home.

Because we are technology based and uniquely positioned with the largest RE company in the world.  We save money on marketing, office rents, and expensive on-site loan officers. We then, pass on the savings, directly to the consumer!


Did you know that advertised rates are just a marketing tool for mortgage companies? There are over 8 reasons why these rates won’t be accurate and are usually outdated. Some reasons are credit score, down payment, property type, loan type, or occupancy. We offer tailor-made fee and rate estimates based on your actual financial profile and property type.

All but NY Click here for all licensing information

Pre-qualifications are usually just a conversation between you and a loan officer. These conversations ask basic questions and guess what kind of buyer you are, and what you can qualify for in a home. These often lead to:

  • You searching for your dream home in an inaccurate price range.
  • Poor pre-qualification letters can decrease your chance of having a strong contract written on your dream home.
  • These pre-qualifications can also lead to late  or even cancelled closings.

Keller Mortgage Pre-approvals include a full free underwriting review of both your application information as well as all supporting documentation. These include:

  • Verified documentation of the borrower
  • The ability to confidently shop with your KW agent in the correct price range.
  • Secure a STRONG pre-approval letter so that you can confidently put in an offer on your PERFECT home.
  • Stress free process to closing.

The minimum loan amount is $65,000. We can only offer $1,000 credit on loan amounts $150,000+.

Check your US Mailbox. You will have a letter from Keller Mortgage saying “send it to us” OR a letter from the NEW payment servicer with the NEW address. Keller Mortgage’s first payment address is: Keller Mortgage LLC ATTN: Payment Processing PO Box 639078 Cincinnati, OH 45263 Any questions should be sent to firstpayment@kellermortgage.com. 

If your first mortgage payment is due to Keller Mortgage, you can now make your payment right here.  

Can’t Find the Answer to Your Question?

Contact Us

Shopping cart

Shipping and discount codes are added at checkout.