ZeroPlus Loans - No Lender Fees

What if you could qualify for a mortgage that comes with ZERO lender fees? Well, with Keller Mortgage, you can. And you could get a $1,000 credit at closing.

Their mortgage loan program is known as ZeroPlus. It’s only available for properties listed through Keller Williams or you must be working with one of their agents.

What Is Keller Mortgage ZeroPlus Program?

ZeroPlus is a home loan program offered exclusively by Keller Williams. It allows buyers to save thousands of dollars while offering other outstanding benefits:

    • No lender fees – Yes, you read that correctly
    • $1,000 credit at closing – For loans over $150,000
    • Discounted rate – Offered only through this program

How Does This Work?

How does Keller Williams offer such a great deal to its borrowers? Keller Mortgage has one brick-and-mortar office, which is located in Cincinnati, OH. For borrowers in all 50 states, the lender operates as a uniquely positioned, technology-based lender.

This allows the company to save on office rents, on-site loan officer overhead costs and marketing. The company is owned and operated by Keller Williams, the largest real estate brokerage in North America, who chooses to pass all these savings on to their borrowers.

Requirements for ZeroPlus Home Loans

Keller Mortgage operates and offers loans to buyers in all 50 U.S. states. There are only three main requirements to qualify for a loan:

    1. Must have a credit score of 620 and above
    2. The minimum loan about is $65,000
    3. The home must be listed through Keller Williams or you must be working with one of their listing or buying agents
Your Dream Home Is Possible with Keller Mortgage ZeroPlus

Your Dream Home Is Possible with a Keller Mortgage ZeroPlus Loan with No Lender Fees

Types of ZeroPlus Loans Offered by Keller Mortgage

There are five types of ZeroPlus loans offered through the Keller Mortgage program:

1. Conventional ZeroPlus Loans

These are loans that are not guaranteed or insured by the federal government. Conventional financing allows buyers to purchase homes with as little as just 3% down, depending on credit and other factors. Use the loan to purchase the following types of real estate:

    • Primary residences
    • Secondary or vacation homes
    • Investment properties

2. FHA ZeroPlus Loans

The Federal Housing Administration (FHA) backs and insures these types of home loans. FHA loans come with more loan limits and restrictions than conventional mortgages.

However, they generally require lower down payments and lower minimum credit scores. You can usually buy an FHA-approved home with as little as 3.5% down.

3. USDA ZeroPlus Loans

The United States Department of Agriculture (USDA) offers these loans to buyers purchasing rural real estate. There are household income limits to qualify. And the property must be located in a rural location.

If all qualifications are met, borrowers may purchase rural homes using USDA loans with 0% down.

4. VA ZeroPlus Loans

The Department of Veterans Affairs (VA) backs these loans, which are only available for people currently serving in the United States military or veterans that have served in the past. VA financing allows buyers to purchase homes with 0% down.

5. Jumbo ZeroPlus Loans

What is a Jumbo mortgage? This is a home loan that exceeds the conforming limits of conventional loans. Although there are options available to reduce the down payment requirements, Jumbo financing typically requires borrowers to put a minimum of 20% down on the property.

Jumbo ZeroPlus loans can be used to purchase the following:

    • Primary residences
    • Secondary or vacation homes
    • Investment properties

How Does the Keller Mortgage Pre-Approval Process Work?

Your Keller Williams agent will encourage you to get pre-approved by a lender before you start shopping for a home. Submitting your application ahead of time will get you the pre-approval letter you need to ensure sellers that you are a qualified buyer.

Underwriters will review Keller Mortgage loan applications and financial documents. You will receive an answer within 24 hours, converting you into a strong candidate when making an offer on your dream home.

Ready to buy a home in the Atlanta, GA area? Let’s go ahead and get you pre-approved for a loan with ZERO lender fees through Keller Mortgage. Once you have your pre-approval letter letting you know how much you qualify for, we can start shopping for your new Atlanta real estate.

Click the button below to get pre-approved now.