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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.

White Lies That Could Make It Harder To Buy A Home

Right now, the real estate market is very competitive, and you might be tempted to use a few white lies to make your offer seem more competitive. No matter how much you want to purchase a home, you need to make sure you are completely honest and open when you go through the process from start to finish. What or a few examples of common white lies that people tell that could jeopardize your application or your mortgage as a whole? Lying About Your Primary Residence If you plan on living in the house full-time, make sure you say so. You might get a lower interest rate if you tell the lender you are going to use the house as your primary residence. On the...

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Rebuilding Costs: Rethinking How Much Homeowners Insurance You Really Need

Buying a home comes with numerous financial planning obligations. It’s far from a turn-key operation and one of the significant challenges involves developing a working knowledge about things often outside your area of expertise. For example, working as an educator, police officer, investment banker or office staffer does not necessarily make you an expert about home repairs or insurance coverage. Yet, the average homeowner is tasked with carrying a certain level of homeowners insurance coverage without a strong working knowledge. Many homeowners just purchase enough insurance to cover the purchase price or take the advice of others. Both of those methods could prove wildly deficient. Rethinking Total Replacement Costs A distinct difference exists between a home’s purchase price, assessed value and total replacement costs. Let...

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5 Tips for Crafting a Counter-offer That Doesn’t Scare Away a Potential Home Buyer

If you’ve recently put your home up for sale, one of the most exciting parts of the selling process is getting an offer. However, all is not said and done once you’ve received an offer, as you’ll probably want to negotiate a better price. If you’re wondering how you can counter without losing a potential buyer, here are some tips when the time comes to negotiate. Lower Your Price (A Little) As a seller, it’s important to believe in the price you’ve put your home on the market for, but lowering your asking price after getting an offer will tell the potential buyer that you’re flexible. While you may not want to compromise too much, you’ll have to move a bit to keep them interested....

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What’s Ahead For Mortgage Rates This Week – March 27, 2023

Last week’s financial and economic reporting included readings on sales of new and previously-owned homes, along with weekly data on mortgage rates and jobless claims. Single-Family Home Sales Rise in February Year-over-year sales of previously owned homes rose 14.5 percent to a seasonally-adjusted pace of 4.58 million sales. Analysts expected 4.20 million sales of pre-owned homes as compared to January’s year-over-year reading of 4.0 million sales. February’s increased sales halted 12 months of falling sales of previously-owned homes. February’s reading marked the highest pace of sales since July 2020, when sales of pre-owned homes rose by 22.40 percent. The National Association of Realtors® said that February’s reading represented the largest increase in existing home sales since the inception of reporting sales of previously-owned homes in...

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3 Things That Will Absolutely Kill Your Chances for a Mortgage Approval

If you’re about to seek approval for a mortgage, you’ll want to ensure you have a solid credit score and clean financial records to boost your likelihood of being approved. There are certain characteristics that lenders want to see in a mortgage applicant before they agree to give a loan, and you want to prove that you’re a responsible borrower. But certain behaviors can easily tank your application and crush your home ownership dreams. Before you seek approval, make sure your finances are in order. Avoid these three mortgage-killing habits while your lender evaluates your loan and you’ll quickly find yourself holding the keys to your new home. Using Up Most Of Your Available Credit It can be tempting to start buying furniture when your...

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