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Kathryn Jean Keller

Mortgage Loans • Washington State

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KATHRYN JEAN KELLER'S CORE PRINCIPLES OF SERVICE Equal Housing


ADVOCACY. Your family's interest drives our activity and we work every day to deliver the highest possible value. We teach you how to maximize the bottom line on your home investment.

SOLUTIONS. We listen to you and create mortgage solutions that complement your financial needs and objectives. We provide a convenient process and offer a full range of home loan options.

ACCOUNTABILITY. We are committed to full transparency & clarity. We communicate regularly and proactively and we deliver exactly what we promise (or better.) We measure success by your willingness to recommend us with confidence because our performance and the value we deliver exceeds all expectations.

EXCELLENCE. We cultivate a culture of discipline & rigor, striving to be technically expert and fully prepared in a highly dynamic environment. We constantly seek feedback from you so that we may continually improve our system and our service.

What’s Ahead For Mortgage Rates This Week – July 5, 2022

Last week’s scheduled economic news included reports on home prices, pending home sales, and inflation. Weekly readings on mortgage rates and jobless claims were also released. S&P Case-Shiller: National Home Price Growth Ticks Down in April Home price growth slowed in April according to the S&P Case-Shiller National Home Price Index as growth slowed by 0.20 percent to a 20.40 percent gain year-over-year. Slower growth in home prices suggested that affordability concerns have caught up with the rapid home price growth seen during the pandemic. The S&P Case-Shiller 20-City Home Price Index reported that Tampa, Florida home prices gained 35.8 percent year over year in April followed by a 33.3 percent price gain in Miami, Florida. Home prices in Phoenix, Arizona grew by 31.3 percent...

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Case-Shiller: Home Price Growth Slows in April

U.S. home price growth continued but slowed in April according to the S&P Case-Shiller Home Price Indices. The national home price index posted year-over-year home price growth of 20.4 percent in April as compared to the corresponding home price growth rate of 20.6 percent in March. Analysts said that diminishing affordability was slowing rapid gains in home prices seen during the pandemic. 20-City Home Price Index: Florida and Arizona Report Top Home Price Growth Rates The top three cities for year-over-year home price growth in April’s 20-City Home Price Index were Tampa, Florida with a reading of 35.8 percent; Miami, Florida reported 33.3 percent growth and Phoenix, Arizona reported a year-over-year home price growth rate of 31.3 percent. Nine of the 20 cities included in...

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The Quick and Easy Guide to Understanding the Math Behind Your Mortgage Closing Costs

It’s amazing that in a year with extremely low mortgage rates being reported around the country, closing costs are up by as much as 6% from the previous year. Part of the reason for this is that the stricter regulations on loans have increased the costs to banks, and they always find a way to pass on new costs to the consumer. Understanding Third-Party Closing Costs When closing on a mortgage the borrower will notice a long list of additional fees that they are expected to pay for. These can range from insignificant into the thousands of dollars depending on the state and the deal. When looking at these fees you will notice that some are third-party fees. This is not out of the ordinary...

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You Are A Serious Buyer: How To Show It

Today, the housing market is as hot as it has ever been. There are many people who are missing out on their dream homes because they are having a hard time competing with countless other people who are in the same position as them. If you want to put yourself in the best position possible to win a bidding war, you might be thinking about paying cash for your home; however, not everyone is in the same financial position. There are a few other ways for you to show a seller’s agent that you are serious about your offer. Get A Pre-Approval Letter This is arguably the most important step you need to take if you want your offer to be taken seriously. One of the...

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The Top Things To Know When Refinancing Your Home

If you are thinking about refinancing your home in the near future, you probably know that this is a great way to shorten the term of your mortgage while also saving money. At the same time, refinancing your home does not come without risks. Take a look at some of the top things you should do and what to avoid before you go through the refinancing process. Do Check Your Credit Score Always check your credit score before you begin the refinancing process. A surprising number of credit reports contain errors, and you need to correct any errors on your credit report before you apply for a new home loan. If you do not correct the mistakes ahead of time, you could end up with...

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