Keller Mortgage Login Payment Options

Keller Mortgage Login
Updated - 2022.05.12

Keller Mortgage offers a variety of payment options to help you make your monthly mortgage payments as part of their commitment to providing flexible mortgage service that fits your needs. Whether you want to set up pre-authorized payments or make monthly mortgage bill payments online, Keller Mortgage has a payment option that’s right for you.

Keller mortgage is purely tech-based. As such, all of its operations are online. Before getting into the Keller Mortgage login payment options, let us first understand the mortgage application process.

These free online calculators can help you to find out how much your monthly payment on Cardinal Financial Mortgage will be:

Applying for a Mortgage with Keller Mortgage Login

Keller Mortgage Login

After an extensive pre-approval process, you should submit your Keller application. You can follow the steps below to apply for a pre-approval:

  • On the Keller Mortgage website, click on Apply Now and select I want to Buy a Home or I want to Refinance. Press the Continue button.
  • Select the type of home you are interested in, and then click Continue.
  • Indicate the type of residence you intend to make your new property from the options given. Hit Continue.
  • Indicate whether you have a property in mind, and then click Continue.
  • Select the period within which you desire to have the property. Press Continue.
  • Enter the amount of mortgage that you desire.
  • Enter your First and Last Name, Email Address, and Phone Number, then press Continue.
  • Enter your Password and confirm it to create your online account. 
  • Step through the queries to enter the data about your income and assets.
  • Answer the declaration questions and fill out the demographic information form to continue.
  • Verify your submitted information and click the Submit button, enabling Keller Mortgage to request a copy of your credit report from the credit reporting agency.

Following the submission of your application, a mortgage lender will contact you to discuss your request.

If you don’t finish your registration process, you can always resume it from where you left it.

  • Click Complete Application by scrolling down your dashboard
  • On the Sign In page, enter your Email Address
  • Enter your Password
  • Click the Sign In button

Note: you only have three chances to enter the correct Sign In information. If you can’t remember the accurate information, you will have to reset your password by following the prompts.

Create an Online Account to Make Your Keller Mortgage Login

You can make your payments online through their website. The initial step would be to create an online account by following the prompts given above.

Note: the information you enter while applying for your loan with Keller mortgage will directly correlate to your online account information. Keller mortgage is thus quite different from other firms where you get to create your online account after your mortgage approval.

Log into Your Account to Make Keller Mortgage Payment

Keller Mortgage is unique with its online payment platform. Instead of logging into your account first to make a payment, you begin by entering information on your account.

  • Select Make a Payment by scrolling down your dashboard
  • Enter your Loan Number
  • Confirm the Loan Number
  • Click the Make Payment button
  • Follow the subsequent prompts.

The Pros and Cons of Keller Mortgage (Login)

Keller Mortgage Login

Keller mortgage has its set of benefits and drawbacks. It is not alarming since this is the norm in any business. However, understanding these aspects will help one make a more informed decision on whether they should take a mortgage with Keller or shop for other mortgage dealers.

Pros of Keller Mortgage

  • Pre Approval can be done online. You get to finish the mortgage pre-approval phase from the comfort and privacy of your home. 
  • Closing costs at a reduced rate. Suppose they utilize Keller Williams Realty or purchase a Keller Williams property. The ZeroPlus Program provides qualifying borrowers with up to $1,000 in closing cost rebates and waived lender costs on mortgages totaling more than $150,000.
  • Payment alternatives with a low down payment. There is no down payment and low down payment choices available through Keller Mortgage, including 0 percent for USDA and VA loans, 3 percent for conventional loans, and 3.5 percent for FHA loans.

Cons of Keller Mortgage

  • In New York, this product is not available. Keller Mortgage makes loans in all 50 states, except for New York.
  • Potential for using pushy methods. Some buyers have stated that they felt forced to use Keller Williams realty when purchasing a house throughout the application process.
  • There is a lack of transparency. Keller Mortgage provides no information about its loan terms, interest rates, or fees on its website.

Keller Mortgage Login Payment Questions and Answers

Keller Mortgage Login

What enables Keller Mortgage to give such a competitive rate?

Keller Mortgage can offer competitive rates and terms because it is a technology-based firm strategically partnered with the most significant property company in the world. As a result, Keller mortgage does not incur costs associated with marketing, office leases, and costly on-site loan officers. The company thus transfers its savings directly to its customers in terms of competitive mortgage rates! 

What is the lowest possible loan amount for which I can apply?

The least amount that you can borrow is $65,000. Keller mortgage only grants a credit of $1,000 on loan amounts greater than $150,000.

Where can I send my first mortgage payment?

Check the US Mailbox that you have. You will receive a letter from Keller Mortgage instructing you to “deliver it to us” or a note from the NEW payment servicer informing you of the NEW address. 

The address for sending in your initial payment to Keller Mortgage is as follows:

Keller Mortgage LLC

Attn: Payment Processing 

PO Box 639078 Cincinnati, 

Ohio 45263 

Please direct all inquiries to the email address [email protected]

When your first payment on your mortgage gets owed to Keller Mortgage, you can now make that payment right here on our website.

What is Keller’s minimum credit score for loan approval?

Customers asking for loans must have a credit score of at least 620 before Keller can consider their applications.

What to Do if I Made a Late Keller Mortgage Payment

It’s a good idea to avoid a late Keller mortgage payment at all costs, but mistakes sometimes happen. While you don’t want to be too hard on yourself if this happens, you need to consider possible consequences. Case in point: you could see your credit score take a hit if you don’t make payments on schedule. Also keep in mind that late mortgage payments may remain on your credit report for as many as seven years, which would adversely impact your credit score. What follows is a look at 3 proven strategies you can use to have late mortgage payment information scrubbed from your credit report.

Option #1: Contact Keller Mortgage and Make Request

Reach out to Keller mortgage by phone right away, and acknowledge that your payment was submitted past the deadline. It’s important to admit you were in error. Let them know when they can expect payment. They may be willing to delete your late payment data so that your creditworthiness doesn’t suffer.

Option #2: Write Them a Letter

The next option at your disposal is to write a letter, known as a goodwill letter, to Keller Mortgage. In the letter, you’ll want to specifically and respectfully request a removal. Do these 2 things in the letter:

  1. Demonstrate that you accept that the situation was caused by you.
  2. Guarantee that there will be no repeat of the delinquent behavior going forward.

What follows is a sample letter template you can use as inspiration:

[Your first and last name] [your address] [your account number]

[date]

To Whom It May Concern:

I appreciate your taking the time to read my letter. The reason for this correspondence is that I found on my latest credit report a late payment listed on [date] for my [name of account] account. I’m aware of the importance of making timely payments and meeting my financial commitments. But due to [situation that led to the missed payment], I unintentionally missed the payment due date. Although I missed the deadline, I have since then taken measures to ensure this does not happen again. Specifically, I’ve [explain what has changed that will prevent any additional late payments]. Since my missed payment, I have had a flawless record of making payments on time.

One reason I’m making this request is that my intention is to apply for a [loan, credit card, etc], and I’ve come to understand that the missed payment reflected on my credit report could jeopardize my objective. Given the fact that my single late payment does not adequately reflect my creditworthiness and intention to abide by my financial obligations, I would be grateful if you would make a goodwill adjustment. This would delete my late payment on [date] and enable me to obtain a [loan, credit card, etc.) and to secure a better rate.

I appreciate your considering this matter, and I hope you will grant my request.

Best regards,

[your name]

Option #3: Make Them an Offer

Another option is to contact Keller Mortgage and make them an offer they can’t refuse. Lenders prefer to have people opt for automatic payments – so that payments are made on time, all the time. If you’re willing to sign up, the lender might be persuaded to scrub the late payment from your credit report as a goodwill gesture. Keller Mortgage may, if you do not wish to sign on for automatic payments, recommend another way for you to potentially get your late payment erased from your credit report.

How to Avoid Late Keller Mortgage Payments

When you do get approved for a Keller Mortgage loan, you’ll want to avoid any late payments. Here are a few tips that will help you steer clear of making untimely payments.

Tip #1: Sign Up for Auto-Pay

Your first order of business is to set up an automatic payment option, and you can do this either through your bank or through your lender. You’ll want to go with the most ideal option for you.

Auto-Pay - the Pros:

  1. You can avoid late payments and any resulting late fees. This will, in turn, ensure a healthy credit score.
  2. You can do your part to protect the environment with paperless billing.
  3. You won’t have to deal with any expenses relating to postage as you won’t need an envelope or a stamp, and you won’t have to fill out a check since auto-pay is done via electronic funds transfer.
  4. You will save time since auto-pay is convenient. No more will you have to take the time to sit down, write up a check, write your address and the address of the mortgage lender on the envelope, put on a stamp, and put the envelope in the mail. With auto-pay, you can automate the entire process of paying bills.

Auto-Pay - the Negatives:

  1. You could, if you’re not monitoring the inflows and outflows of money in your bank account, overdraw your account. In order to avoid any problems, just keep track of how much you have in your account at all times.
  2. You could potentially overlook things like errors, interest rate hikes, or other hidden fees. This can be avoided by simply making it a habit to go over your bill.
  3. You could fail to stay on top of things such as the amount owing or the amount you’re paying monthly. As has been mentioned, you can steer clear of such problems by checking into your account regularly. This will help you to know when it might be a good idea to made additional payments to reduce the principal quicker.

Tip #2: Sign Up for Alerts and Reminders

Receiving a notification for an upcoming bill payment can make all the difference. You can get this by using an app, by getting your mortgage company to send an alert or reminder by email, or even by using Google calendar. You’ll be able to avoid late payments by doing so

Tip #3: Set Up a Bill Pay Day

Another option is to purposefully schedule a period of the month when you can commit to making bill payments. When you go this route and have a system in place, you will avoid late Keller mortgage payments.

Keller Mortgage Customer Service

Keller Mortgage Customer Service: 

888-766-2678

Keller Mortgage Payment Address: 

Keller Mortgage LLC

Attn: Payment Processing 

PO Box 639078 Cincinnati, 

Ohio 45263 

Keller Email Address: [email protected]

Facebook: www.facebook.com/Keller-Williams-Mortgage

Twitter: twitter.com/kellermortgage

Instagram: www.instagram.com/keller_mortgage/

Linkedin: www.linkedin.com/company/keller-mortgage/

Youtube: www.youtube.com/c/KellerMortgage

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