The Best Mortgage Lenders in Keller, TX
Compare verified mortgage lenders serving Keller, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Keller
Featured Mortgage Lenders
CrossCountry Mortgage, LLC
CrossCountry Mortgage, LLC
CrossCountry Mortgage stands out as one of the highest-rated mortgage lenders serving the Keller area with their nearby Southlake office. With over 20 years of experience and an exceptional 4.9 rating, they've built a strong reputation for personalized service and competitive rates. Their local team specializes in the North Texas market, offering comprehensive loan options including specialized programs for first-time homebuyers and veterans. The company maintains full licensing and compliance with Texas mortgage regulations, and their extensive review history demonstrates consistent customer satisfaction with smooth closings and responsive communication throughout the loan process.
Loan Types:
Supreme Lending
Supreme Lending
Supreme Lending has been a trusted mortgage provider in the Dallas-Fort Worth metroplex for over 25 years, with strong service coverage in Keller and surrounding communities. Founded in 1999, this Texas-based company maintains a 4.8 rating with hundreds of positive reviews highlighting their expertise in local market conditions and efficient processing. They offer a complete range of mortgage products with particular strength in construction loans and VA lending. Their long-standing presence in North Texas gives them deep understanding of area property values and lending requirements, ensuring reliable service for Keller homebuyers seeking competitive rates and local expertise.
Loan Types:
NBKC Bank
NBKC Bank
While headquartered in Kansas, NBKC Bank serves the entire Keller market with their highly efficient online mortgage platform and consistently competitive rates. With over 25 years in business and an impressive volume of customer reviews, they've earned a 4.7 rating through transparent pricing and streamlined digital processes. They offer a straightforward approach to mortgage lending with no origination fees on many loan products and exceptional customer service. Their nationwide licensing allows them to serve Texas borrowers with full compliance, and their strong online presence makes them a popular choice for Keller residents seeking convenience without sacrificing service quality or competitive rates.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Keller, TX
Are there any first-time homebuyer assistance programs specific to Keller, TX?
While Keller itself does not offer a city-specific program, Tarrant County provides the Tarrant County Homebuyer Assistance Program (TCHAP), which is accessible to Keller residents. This program offers down payment and closing cost assistance in the form of a forgivable loan. Additionally, many lenders in the area can guide you toward Texas-wide programs like the Texas Department of Housing and Community Affairs (TDHCA) loans, which offer competitive rates and down payment assistance for eligible buyers.
How do Keller's property taxes impact my mortgage payment and qualification?
Keller is located within Tarrant County, which has some of the highest property tax rates in Texas, typically ranging from 2.1% to 2.4% of the home's appraised value. This significantly affects your total monthly payment (PITI) and the amount of home you can qualify for, as lenders must account for this high escrow cost. It's crucial to budget for this and work with a local loan officer who can accurately calculate your debt-to-income ratio with these taxes in mind.
What is the typical down payment needed for a home in Keller's competitive market?
In Keller's desirable and competitive market, a 20% down payment is common to make offers stronger and avoid private mortgage insurance (PMI). However, many buyers successfully purchase with lower down payments; conventional loans can go as low as 3-5%, and FHA loans require 3.5%. Given the higher median home prices in Keller, saving for a larger down payment can be a key strategy to win a bidding war and secure better loan terms.
Are there specific mortgage considerations for buying in one of Keller's many master-planned communities?
Yes, if you're buying in a community like Keller Town Center, Hidden Lakes, or Bear Creek, you must check for mandatory Homeowners Association (HOA) fees. Lenders will include these monthly or annual fees in your debt-to-income calculation. Furthermore, some newer communities might still be under developer control, which can affect certain loan types like VA or FHA, so it's important to verify the community's approved status with your mortgage lender.
How do interest rates for jumbo loans in Keller compare to conforming loans, given the city's higher home prices?
Due to Keller's robust housing market where many homes exceed the conforming loan limit ($$766,550 for 2024), jumbo loans are frequently needed. Jumbo loan interest rates in Keller are often very competitive with conforming rates, sometimes even lower, but they come with stricter qualification requirements, such as higher credit scores (often 700+), larger down payments (usually 10-20%), and more extensive reserve requirements. Working with a lender experienced in the local jumbo market is essential.
Why Choose a Mortgage Lender in Keller?
Local Market Knowledge
Lenders who understand Keller's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Texas.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Keller and get competitive rates on your home loan.