Slide One

Kathryn Jean Keller

Mortgage Loans • Washington State

Slide One
Slide Two
Slide Two
Slide Three
Slide Three
previous arrow
next arrow
 

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.

How Can Parents Help Their Children Buy A Home?

One of the most common dreams is homeownership; however, the cost of buying a house is rising quickly, and many children cannot afford to buy a house even after they finish school. They might be encumbered with student loans, and they could have a difficult time finding a job. Fortunately, there are ways parents can help their adult children buy a home. Help Children Build A Healthy Credit History As Early As Possible One of the biggest factors involved in an application for a home loan is the credit score. One reason why children have a difficult time qualifying for a home loan is that their credit scores are not high enough. They simply do not have a lengthy credit history. Parents should help their...

Read More

What Financial Preparations Should I Make Before Applying For A Mortgage?

Getting a mortgage isn’t an easy thing to do. Before a lender will put down tens of hundreds of thousands of dollars, it wants to know that the borrower can handle the loan so that it will get paid back. to this end, there are three things that a potential homebuyer can do to prepare for the mortgage approval process. Managing Debts For many homebuyers, managing their credit score is the biggest challenge. Mortgage lenders like buyers with strong credit. While getting strong credit usually isn’t something that can be done overnight, paying bills on time, all of the time can help to build a positive profile. Using as little credit as possible is also helpful, since high utilization of existing credit lines can harm...

Read More

3 Considerations When Making A Down Payment

One of the challenges you will face when deciding how much money to put down on your new home is whether to put down a larger down payment or to take a bit of money from your down payment and use it to pay “discount points” to lower your interest rate. There are pros and cons to doing both and each borrower’s situation will be different so it’s important to understand which option is best for your individual need. Some Factors You Should Consider Include: Cost Of Borrowing – generally speaking, to lower your interest rate will mean you pay a premium. Most lenders will charge as much as one percent (one point) on the face amount of your loan to decrease your mortgage interest rate. Before you...

Read More

What’s Ahead For Mortgage Rates This Week – January 18, 2022

Last week’s scheduled economic reporting focused on inflation with monthly and year-over-year readings on overall and core inflation. Federal Reserve Chair Jerome Powell was confirmed for a second term as Federal Reserve chair.  The University of Michigan released its monthly survey on consumer sentiment and weekly readings on mortgage rates and jobless claims were also released. Inflation Rises in December; Nears Fastest Growth Pace in 40 Years Year-over-year inflation rose to a pace of seven percent in December and approached its fastest growth rate in 40 years according to the Bureau of Labor Statistics. Analysts expected year-over-year inflationary growth of seven percent as compared to November’s pace of 6.80 percent. Month-to-month inflation slowed to 0.50 percent as compared to November’s month-to-month growth rate of 0.80...

Read More

Maintain A Home’s Value With These Helpful Home Maintenance Tips

A home is an investment, so it is important to treat it as such. The best time to capitalize on a home’s value is when it is sold. Therefore, it is important to take care of it with some simple home maintenance tips. There is a common misconception that if something is working well, it does not need to be fixed; however, it is always better to prevent problems from happening than to fix them after they have appeared. The average homeowner should spend between one and four percent of a home’s value per year to keep it in excellent condition. There are several key home maintenance tips that homeowners need to keep in mind.  Paint The Interior And Exterior There is never a second...

Read More