Different loans for different needs

No matter what you’re looking for we have a myriad of options to help you understand what type of loan might be the best for you

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It’s the most popular loan in America for good reason. You can finance almost all types of homes using it. Primary homes, investment properties, vacation homes, manufactured homes, condominiums, and more. If you can afford a 20% down payment on your property, you can eliminate mortgage insurance altogether – saving you money every month.

  • Finance up to 97% of home's value.
  • Interest rates are affected by several factors, including intended occupancy, loan-to-value and credit score.
  • Eliminate private mortgage insurance with a 20% down payment.
  • Seller concession allowed from 2% - 9% depending on occupancy and loan-to-value.

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If you’re ready to purchase a luxury home or live in one of the most expensive areas in the country, you may need a jumbo loan. With it, you can finance up to $3,000,000 to purchase the property. Jumbo loans can be used for a variety of home types including primary and secondary/vacation homes, investment properties, condos, and more.

  • Finance up to 90% of home’s value.
  • Available for primary and secondary home, vacation homes, condominiums or condotels, rural properties, large acreage, and more.

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Loans backed by the United States Department of Agriculture (USDA) can be used to purchase a primary residence in a rural area. But you don’t have to live on a farm on in the country to use it. A huge portion of the US is defined as rural. It’s basically any place with a population less than 35,000 people.

  • Available for low-to-moderate income borrowers.
  • Finance up to 100% of the home’s value.
  • Seller concessions allowed up to 6% of the purchase price.

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If you’re a current, active-duty member of the U.S. military, a Veteran, or an eligible surviving spouse, you may qualify for a VA loan to purchase your primary residence. VA loans are easier to qualify for than a conventional loan and don’t require any down payment.

  • Finance up to 100% of the home’s value.
  • Available for primary residences that meet VA guidelines.
  • Seller Concessions allowed to cover closing costs, prepaid items and discount points.
  • No private mortgage insurance in their monthly payment giving the borrower more affordability in their payment.

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Fair Housing Administration loans are designed with relaxed requirements to make it easier for borrowers to qualify. If you have a low credit score but can manage at least a 3.5% down payment, you may be a good candidate for an FHA loan.

  • Allows for a non-occupant co-borrower to help you qualify.
  • Available for primary residences that meet FHA guidelines.
  • Flexible credit qualifying.
  • Seller concessions allowed up to 6%.

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Apply for a new mortgage with more favorable terms. You can refinance to get a lower interest rate, to get a different type of loan without mortgage insurance payments, or to change the number of years to pay off your loan. It’s also common to get cash out of a refinance to consolidate high-interest debt, fund home improvements, or have cash for other needs.

  • Refinance to a conventional, FHA, or VA loan.
  • Access your home’s equity for home projects, college costs, or to pay off high-interest debt.
  • Shorten the length of your term to pay off your loan faster.

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First-time home buyers

First-time home buyers should take advantage of unique opportunities designed to help them afford a home. There are state programs, tax breaks, and lower down payment requirements. Even if you’ve owned a home in the past, you may still be eligible for these programs. First-time homebuyer loans may offer down payment and closing cost assistance, 0% down payment loans, and expanded credit score criteria allowing for more borrowers who have lower scores.

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Condo loans

Condo home loans are similar to single-family home loans and require a review of the condo HOA as well. If the unit doesn’t meet normal requirements, we still offer an opportunity to finance it using non-warrantable condo loans.

  • Options for both warrantable and non-warrantable units.
  • Available for primary and secondary homes or investment properties.

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Condotel loans

Condotels are condo complexes but have hotel-like features such as an on-site property manager, rental desk, daily rental stays, and their own short term rental website.

  • Options for both warrantable and non-warrantable units.
  • 680 minimum FICO credit score.
  • Available for primary and secondary homes or investment properties.

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Whether you’re looking to purchase a manufactured home as your primary residence or vacation home for your family, we offer financing for qualified buyers with as little as 3% down.

  • Finance up to 97% of the home’s value
  • 620 minimum credit score.
  • Available for manufactured doublewide or larger.

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Consumer Access

Keller Home Loans is a division of Mutual of Omaha Mortgage, Inc., NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego, CA 92108. AL Consumer Credit License 22123; AK Broker/Lender License AK1025894. AZ Mortgage Banker License 0926603; AR Combination Mortgage Banker/Broker/Servicer License 109250; Licensed by the Department of Financial Protection & Innovation under the CA Residential Mortgage Lending Act, License 4131356; CO Mortgage Registration 1025894; CT Mortgage Lender License ML-1025894; DE Lender License 028515; DC Mortgage Dual Authority License MLB1025894; FL Mortgage Lender Servicer License MLD1827; GA Mortgage Lender License/Registration 46648; HI Mortgage Loan Originator Company License HI-1025894; ID Mortgage Broker/Lender License MBL-2081025894; IL Residential Mortgage Licensee MB.6761115; IN-DFI Mortgage Lending License 43321; IA Mortgage Banker License 2019-0119; KS Mortgage Company License MC.0025612; KY Mortgage Company License MC707287; LA Residential Mortgage Lending License 1025894; ME Supervised Lender License 1025894; MD Mortgage Lender License 21678; MA Mortgage Broker and Lender License MC1025894; MI 1st Mortgage Broker/Lender/Servicer Registrant FR0022702; MN Residential Mortgage Originator Exemption MN-OX-1025894; MS Mortgage Lender 1025894; MO Mortgage Company License 21-2472; MT Mortgage Broker and Lender License 1025894; NE Mortgage Banker License 1025894; NV Exempt Company Registration 4830. Licensed by the NH Banking Department, Mortgage Banker License 19926-MB; Licensed by the NJ Banking and Insurance Department. NJ Residential Mortgage Lender License 1025894; NM Mortgage Loan Company License 1025894; NC Mortgage Lender License L-186305; ND Money Broker License MB103387; OH Residential Mortgage Lending Act Certificate of Registration RM.804535.000; OK Mortgage Lender License ML012498; OR Mortgage Lending License ML- 5208; PA Mortgage Lender License 72932; RI Lender License 20163229LL. RI Loan Broker License 20163230LB; SC BFI Mortgage Lender/Servicer License MLS-1025894; SD Mortgage Lender License ML.05253; TN Mortgage License 190182; TX Mortgage Banker Registration 1025894; UT Mortgage Entity License 8928021; VT Lender License 6891; VA Mortgage Broker and Lender License, NMLS ID #1025894 (www.nmlsconsumeraccess.org); WA Consumer Loan Company License CL-1025894; WI Mortgage Banker License 1025894BA; WY Mortgage Lender/Broker License 3488. Toll Free #: (877) 978-1922. Subject to Credit Approval. For licensing information, go to: www.nmlsconsumeraccess.org