The MikeFogle.com Louisville Real Estate Blog

What's Keller Mortgage?

Keller Mortgage Zero+ Loan Program

As a Keller Williams agent, I can bring you the unparalleled advantage of the ZeroPlus loan by Keller Mortgage which is exclusive to KW transactions.

Keller Mortgage has saved clients over $50 million dollars!

So how does this work? Keller Mortgage offers:

  • Zero Origination Fees
  • Zero Lender Fees
  • $1000 at closing towards 3rd party fees (such as inspectors)
  • Competitive and low rates
  • + a $1000 closing credit on loans $150K and above 

Do all properties qualify?

Keller Mortgage can help you purchase primary, vacation, and investment properties up to 4 units and they can also refinance your current mortgage.

What types of loans am I able to get?

  • Conventional – Fannie Mae & Freddie Mac – minimum of 3% down payment
  • JUMBO up to $3 Million
  • Both Conventional and Jumbo loans offer fixed rates and ARMs.
  • FHA – minimum of 3.5% down payment
  • VA - $0 down payment
  • USDA - $0 down payment

Currently Keller Mortgage is unable to offer loans for new construction, rehab, HELOC, reverse loans, raw land/lots, mobile/manufactured homes, co-ops, non-warrantable condos, commercial properties, or bond loans (down payment assistance).

Is this a pre-qualification or a pre-approval?

Keller Mortgage wants you have the best chance at getting the home you want so they only offer pre-approvals.  This means that they have verified documentation from you and are confident your loan will make it to the closing table.

What if I’ve already been pre-approved...

Your Springhurst Neighborhood Market Review for 2018

Hello Springhurst Residents!

Keep an eye out for the postcard that was mailed out this week with all the 2018 Market Stats.

In case you missed it, here it is again!

To see ALL the homes for sale in Springhurst go to our Springhurst Page.

If you want to know YOUR home's current value give me a call.  I'd love to chat with you about it. (502) 551-9396

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Thinking About Selling Your Home Soon?

Have you been thinking about selling your home soon?

Here are 5 tips to help you get ready!

 

Declutter

It’s amazing how much stuff we accumulate over the years living in our home!  Take the time to really go through everything and get rid of all that stuff you don’t want to move with you to your new home!

A good rule of thumb I always tell clients is to remove half to 2/3rds of items in your closets.

A great book for this is “The Life-Changing Magic of Tidying Up” by Marie Kondo.

 

Make Repairs and General Maintenance

Have you been putting off cleaning out the gutters? What about adjusting that leaky kitchen faucet? – Well’s now’s the time!

Your potential buyers will notice things in your home that need repairs and a lack of general maintenance is easily apparent once others start walking through your home. 

Everyone lives differently so things that you don’t access often or think about might be exactly what that buyer is excited about.  This means that just because you don’t use or care about one of your homes features doesn’t mean others won’t.

If you’re concerned about your home’s overall condition and the unknown you can always choose to do a pre-list inspection.  The home inspector will go through your home from top to bottom and give you a list of everything from the very minor to anything major...