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.

S&P Case-Shiller Home Price Indices: Home Prices Fall In November

U.S. home prices continued to fall in November according to S&P Case-Shiller’s month-to-month national and 20-city home price indices, but home price growth rates remained in positive territory year-over-year. The national home price index posted a  7.70 percent year-over-year home price growth rate as of November 2022. 20-city home price index posts 5th consecutive month-to-month decrease in November The S&P Case-Shiller 20-city home price index for November reported that the top three cities for home price growth were Miami, Florida with a year-over-year home price growth rate of 18.4 percent; Tampa, Florida followed with a  year-over-year home price growth rate of 16.9 percent. Atlanta Georgia reported a  12.7 percent growth rate for year-over-year home prices. Home prices tracked in the 20-city home price index rose...

Read More

Is It Worth It to Put More Than 20 Percent Down?

Are you thinking of buying a new home this spring or summer? If so, you’re not alone. Many thousands of individuals and families alike will become homeowners this year. Whether you’re a first-time buyer or a seasoned veteran of the housing market, you probably know there are significant choices to make. One of the big decisions you will have to ponder is how much you want to invest in your down payment. With that in mind, let’s try to answer the question of whether or not it is worth it to put more than 20 percent of the home’s price in your down payment. Ask Yourself: How Liquid Are You? Before you can decide how much to put down, you first need to determine how...

Read More

What You Need To Know About A Closed-End Second Mortgage

A home is probably one of the most expensive purchases you will ever make. It is important for you to understand all of the options available to you, particularly if you need a quick source of cash, and you might be thinking about taking out a second mortgage. You can use a closed-end second mortgage to cover the cost of repairs, medical debt, and even consolidate your other sources of debt. How do you know if this option is right for you? An Overview Of A Closed-End Second Mortgage If you decide to take out a second mortgage, you will typically withdraw the cash you need. Then, if you need more cash in the future, you can take out more down the road. In contrast,...

Read More

What’s Ahead For Mortgage Rates This Week – January 30, 2023

Last week’s economic reporting included readings on new and pending home sales, inflation, and consumer sentiment. Weekly readings on mortgage rates and jobless claims were also released. New home sales increase in December The Commerce Department reported new home sales rose to a seasonally-adjusted annual pace of 616,000 sales in December as compared to the expected pace of 615,000  new homes sales and November’s revised reading of 602,000 annual sales. December was the third consecutive month that the pace of new home sales rose, but new home sales remained well below the 1.04 million sales peak reported in August 2020. Pending home sales rose by 2.5 percent in December, which outpaced expectations of a one percent decrease in pending sales and November’s seasonally-adjusted annual decrease...

Read More

Getting A Mortgage When Self-Employed: What You Need To Know

There is a common misconception that someone who is self-employed will not have the tax records or income necessary to qualify for a mortgage; however, that is not necessarily the case. In reality, if you are self-employed, there are a lot of home loan options available to you. It is true that it might require some additional paperwork and planning, but as long as you have the necessary information, you should be able to qualify for a mortgage.  What Is Necessary To Qualify For A Self-Employed Mortgage Loan? If you are interested in taking out a mortgage when you are self-employed, you will be held to the same standards as everyone else. This means that the lender is going to require a solid credit score,...

Read More