Keller Home Loans (formerly known as Keller Mortgage, a member of the Keller Williams (KW) family of companies) was recently acquired by Mutual of Omaha Mortgage, a division of Mutual of Omaha. Founded in 1909, Mutual of Omaha serves over 4.6 million individual product costumers and 36,000 employee groups. Our mission is to provide products that help our customers through life’s transitions, and back our products with operational excellence at every level. Above all, we strive to maintain the highest degree of integrity in all our interactions.
As a mutual company, we are not driven by short-term thinking and a focus on quarterly results that so often characterizes publicly traded companies. Our mutual structure allows us to ensure that every decision we make is with the long-term benefit of our customers and borrowers in mind.
Over the years, we’ve built impressive financial strength to protect our customers’ financial futures and be there when they need high-quality insurance products and financial services. Along with our product portfolio, we’re committed to listening and helping customers through life’s transitions. You can be confident when offering our well-known, trusted brand to your clients.
Mutual of Omaha is proud of its solid financial status, validated by strong marks from the leading rating agencies. These ratings are independent assessments of a company’s financial strength and its ability to meet ongoing obligations to policyholders.
This rating is second highest of 16
This rating is fifth highest of 21
Ratings as of June, 29, 2020
For a century-through countless historical events - Mutual of Omaha has been there to keep our promises to its customers. Mutual of Omaha Mortgage follows the same commitment and will not let this change. Today, as the nation grapples with new financial realities, Mutual of Omaha Mortgage is strong, stable, secure and ready to meet your mortgage and financial needs.
When you become a part of the Keller Home Loans family, you gain access to a dedicated team that is well-versed in delivering top-notch service and support. Our utilization of cutting-edge technologies within the home lending industry, combined with established marketing platforms, empowers us to craft customized strategies tailored to your individual goals.
Our mission extends beyond individual growth; it’s about empowering loan officers to enhance borrower engagement, streamline the mortgage process, and cultivate enduring relationships with realtor partners. We firmly believe that these partnerships are instrumental in driving increased loan volume, and we are committed to providing you with the resources and support needed to forge these connections.
Your journey with Keller Home Loans promises not only professional development but also the opportunity to contribute meaningfully to our collective success story. As you consider this exciting career prospect, I encourage you to reach out to us with any questions or thoughts you might have.
Jeffrey Gennarelli President – Forward Mortgage
We partner with industry leaders and innovators to give loan officers access to the top of the line technologies in search engine optimization, lead generation, reputation management, automated social media management and many more.
Agent Station is the one-stop-shop to boost your productivity and connect with your Keller Home Loans team. This easy to use platform is accessible with your Command logins. Visit MyAgentStation.com to get started. Top features include:
• Choose Your Loan Officer
Connect with a primary and secondary loan officer to expedite and improve communication
• Refer A Client
Send me your client’s information and I will help them find the right loan for their needs. Choose to work with me, your primary loan officer, or whoever is first available.
• Deals (ComingSoon!)
Have an up-to-date view of your clients’ loan status
• Reporting
See your leads, pre-approvals, contracts, and closings. We’ll even show your rank, savings and total value of prospects
• Marketing
Promote your business with personalized marketing materials
• Support
Have loan questions or need an expert? Call our support line or instant online chat.
List Reports® is a powerful marketing platform that provides agents with tools to create digital marketing their business. When you connect with me on List Reports®, you’ll unlock the full marketing suite, including:
• Industry-leading, LO-branded daily email read by more than 200,000 unique agents in 2021, which features industry and local market news
• Library of premium, branded social media
Shareables with lead capture capability, like local market data, digital special occasion cards, and Spanish language Shareables
• Digital marketing materials, including single property and Just Sold promotional websites
• Reusable riders with custom text-to-lead code
• Dynamic groups of listings for consumer distribution
Total Expert is an enterprise-grade marketing and customer engagement platform purpose-built for financial services. Total Expert helps mortgage lenders and real estate agents drive growth and create customers for life.
Some of the platform’s features include:
•Lead and contact management
•Extensive print and email library
•Co-branded direct mail campaigns
•Open house and event registration lead capture apps
•Open house flyers with pricing integration
•MLS integrated single property flyers and websites
It’s a fast-moving moving world. Showings. Offers. Closings. Take advantage of the convenience and flexibility of the Keller Home Loans App to stay up to date on your client’s loan progress, from wherever you are. The Keller Home Loans App is:
• Branded for you and ready to use instantly. With full co-branding capabilities, your clients can easily contact you and your Keller Home Loans loan officer directly from the app.
• Easily shareable. When you want to pass the app along to your clients, click the “Share This App” button and enter their contact info. They’ll receive a link to download the app.
• Loaded with tools. With features like mortgage calculators, loan status and secure document access, your clients can do whatever they need to, right from their phone – and you’ll be kept up to date every step of the way.
Easily collect, analyze, share and take action on customer feedback to power your business. Experience.com allows us to easily capture the voice of your borrowers and turns that into an online referral engine.
• Improved Customer Satisfaction: By actively collecting and addressing customer feedback, loan officers can gain insights into their clients’ experiences and identify areas for improvement. This can lead to higher levels of customer satisfaction and loyalty.
• Competitive Advantage: In a competitive industry like loan services, having a strong online presence and positive reviews can give loan officers a competitive edge. Many clients research loan officers online before making a decision, and a robust review profile can make a significant difference.
• Marketing and Branding: Loan officers can leverage positive reviews as part of their marketing efforts. These reviews can be showcased on their website, social media profiles, and other marketing materials, reinforcing their brand image.
Clients choose you based on trust, confidence, and expertise. And today’s market requires more of what you do best. During the moments that matter most, video email adds you back into the equation.
• Increase Engagement: Videos are more engaging and attention-grabbing than plain text or images. Using video in your communication can help capture the recipient’s attention and convey your message more effectively.
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• Personalization: Video messages can be highly personalized, addressing the recipient by name and tailoring the message to their specific needs or interests. This level of personalization can make your communication feel more relevant and valuable.
• Emotion and Tone: Video messages allow you to convey emotions, tone, and body language that might be lost in textbased communication. This can help avoid misunderstandings and ensure that your message is interpreted correctly.
Our team helps formulate and create effective materials using your ideas and their collective experience in marketing
When you join Keller Home Loans, you will have access to a marketing team that is dedicated to offer the absolute best service and support. By utilizing cutting edge technologies in the home lending industry as well as standard marketing platform, we can tailor a plan specific to your goals.
Our mission is to help loan officers increase borrower engagement, streamline the mortgage process and help you cultivate realtor partner relationships that can lead to an increased in loan volume.
The world has gone digital and loan officers strive to market their business in the most effective way. To help our loan officers stay on top of the competition we offer:
• In-house design services
• Social media management
• Company store with branded merchandise
• Personalized website featuring your expertise, videos, testimonial, social medial links and more.
• Access to video production
• Access to our CRM which includes an array ready-to-use marketing materials, workflow automation, email
Social media marketing is constantly changing and evolving, this is why having a social media presence has never been more important for loan officers. With the rise of platforms like Facebook, Twitter, Instagram and LinkedIn our team is ready to help you connect with current and potential borrowers as well as referral partners.
Our team can also help you develop social media strategies that can increase your business opportunities. With our marketing expertise we will share insights about how you can build and boost your online presence.
We can help manage your social media presence and post regularly on your behalf. Our team will set up your social media business pages & profiles, rebrand your existing social channels with your new updated company information & branding, and sign you up for automatic posts, providing you with regularly-scheduled content on your social channels.
Our high-quality websites successfully generate traffic from both potential borrowers and realtors. We leverage our strong, memorable brand to help you stand our from the fierce online competition between mortgage brokers.
When running marketing campaigns, we can make sure that potential borrowers click on the right landing pages. Our team knows that pre-click advertising with the same message helps convert users into customers. That is why we make sure to offer an easy path for the visitor to follow while providing strong Call-to-Actions that will open a conversation.
Whether you need one project or ongoing monthly marketing materials, our in-house designers are ready to create custom mortgage marketing pieces when you need them. Our team can also provide ready-to-use co-marketing material such as open house, rate and product flyers.
As part of our effective marketing strategy, we integrate our own content created by our in-house designers and video editors. We make sure to get engage potential borrowers that are interested in learning about our unique brand legacy and values, which ultimately factor into their decision-making process when selecting a mortgage loan originator.
We know that video allows loan officers to establish a more personal connection with their audience. Clients get to see and hear the loan officer, which creates a sense of familiarity and authenticity.
In a competitive industry, loan officers who use video stand out. Video content showcases professionalism and innovation, setting them apart from competitors who rely solely on traditional methods.
As a marketing team, we’re committed to providing video tools and resources to ensure we’re helping our loan officers stay current and meet clients where they are.
If you want customer engagement, take advantage of our fully in-house video studio. As one of our most important assets, our studio is fully equipped for producing high-quality videos. Take advantage of this resource that can help you reach more potential business and makes you truly stand out.
Our video team is here to help you from pre-production such as concepts and scripting to putting on the final touches after the camera is off. Expect your video requests to be produced by our professional video crew, which is ready to fuse your vision with out brand standards.
BombBomb allows loan officers to infuse their email drip campaigns with personalized video messages. Video humanizes the communication, enabling loan officers to convey emotions, body language, and sincerity that text alone can’t capture. This personal touch builds stronger connections with clients, enhancing engagement and trust throughout the loan process. Through BombBomb, loan officers can create videos that simplify mortgage terms, outline the loan application process, or address frequently asked questions.
Keller Home Loans offers a complete line of residential mortgage, refinancing, and specialty loans. We employ a knowledgeable staff of experienced Mortgage Bankers with and Operations team that is second to none. By constantly updating our loan programs and pricing based on market patterns, Keller Home Loans ensures that we deliver extremely competitive rates combined with optimal mortgage structuring.
“The philosophy that guides our seasoned operations and underwriting teams is dedication to a common goal. We believe that we accomplish more when we work together, in a balanced manner, to put and keep your borrowers in their homes.”
Lucas Curtolo SVP of National OperationsWe strive to maintain 24 hour turn-times in underwriting so we can provide you and your clients with quick responses and not waste time “waiting in line”. Purchases are always prioritized and closing on time is our number one goal.
Our underwriting staff consists of 35+ underwriters, almost all of which have over 10 years of underwriting experience and all of which have a minimum of 5 years experience.
Keller Home Loans is delegated with multiple investors on jumbo products. This allows us to keep the underwriting in-house and control the process as we would with any other loan, thereby providing the same speed and quality of service on jumbo loans as we provide on all our other products.
• AUS Jumbo / Jumbo ARM’S Lock and Shop
• VA / VA Cash Out / IRRL
• FHA / FHA Streamline
• USDA / USDA Streamline Conventional
• CONV - High Balance / HomeReady / HomePossible
• Buy Now Refi Later Program / 2-1 and 3-2-1 Rate Buydowns
• Affiliate Programs
• MORE Rewards
• Home One
• CHOICE RENO Express
• DPA / Bond Programs
• Reverse Mortgages
• Conv/Govt OTC Construction (Up To 100% Financing For VA / USDA)
**Assumptions: Loan Amount: $300,000 | Loan Purpose: Rate/Term Refinance or Purchase | Property Type: Single Family Residence | FICO: 780+ | Escrow Account Required: Yes, taxes & insurance. Rates and terms are subject to change. APR may vary. Not all borrowers qualify for all programs, must meet underwriting guidelines and are subject to credit review and approval. his does not constitute a commitment to lend. For mortgage loans other than fixed loans, it is possible that the borrower’s payment may increase substantially after consummation. The disclosed closing costs are estimates. Actual closing costs and the portion paid by Seller may vary. Information contained is subject to change without notice. Not available in state of New York or Washington. All loan programs, terms, and rates are subject to change without notice. Additional terms and conditions may apply. Essex Mortgage is not an agency of, nor is it affiliated with the federal government or any other entity referenced herein, except Essex Mortgage. Visit www.essexcorrespondent.com for full program details
• Bridge Loans
• HELOC
• Fixed Rate 2ND
• ITIN Loans
• Bank Statement / 1099 Loans
Products effective as of 05/15/2023
Products and offerings subject to change based on market conditions and availability. Not all programs might be available in your state. Check with your dedicated loan officer for additional details.
• Jumbo OTC Construction Doctor Loans
• DSCR Loans
• Jumbo - 90% LTV to $1.5M
• Jumbo - 80% LTV to $3.5M
• Provider: Our 401K Provider is ADP. Keller Home Loans offers both traditional and Roth 401K options.
• Contribution Waiting Period: Eligible to contribute into the plan the first of the month following 90 days of employment.
• Company Contribution: We match 50% of the first 8% of employee contributions.
• Contribution Limits: IRS limits apply (2020 limit is $19,500 with $6,500 catch-up for over age 50), otherwise we do not limit contributions.
Associates are eligible for benefits the first of the month following 60 days of employment.
Medical: Our Medical Plans are through AETNA and United Healthcare. We offer the following plans:
*Amounts are for Individual Coverage
• Aetna PPO 750: $3,250 out of pocket max, $750 deductible, 15% coinsurance for basic services.
• Aetna PPO 2000: $5,250 out of pocket max, $2,000 deductible, $15/$40 co-pays for office / specialist visits and 15% coinsurance for other services.
• Aetna HDHP 3000: $5,000 out of pocket max, $3,000 deductible, 20% coinsurance for basic services (after deductible), HSA-eligible.
Dental: Our Dental Plans are offered through United Healthcare (UHC)
• PPO: Covers 100% of Diagnostic/Preventative/Basic Care (After $50 deductible), 40% Major Services
• HMO Plan (CA Only) has copays ranging from $0 to $359 dollars depending on the services provided.
Vision: Our Vision Plans are through United Healthcare.
• $10 Copay for exam every 12 months, $25 copay for lenses every 12 months
• $130 allowance for frames every 24 months
Basic Life Insurance: Offered through Mutual of Omaha Insurance
• Employees are covered for by the Company for $50,000 of company paid Basic Life and AD&D
Supplemental Life Insurance: Offered through Mutual of Omaha Insurance
• Employees have the option to purchase Supplemental Life Insurance in increments of $10,000
• Short and Long Term Disability, Accident, and Critical Illness options available
• Health, dependent Care and Transit Flexible Spending Accounts available
Employee Assistance Program: No cost to employees
Employee Loan Program: Employees are eligible for Discounted Loan Pricing, and One Flat Underwriting Fee ($500). For more information email employeeloans@mutualmortgage.com
Every loan officer-client relationship thrives on trust and attentive listening. As you engage with your clients to shape their financial future, that foundation of trust begins with you and your ability to truly hear them.
At Keller Home Loans, trust is paramount, and your success is our mission. Our unique partnership opportunities with Keller Williams empower you to amplify your potential like never before.
With a direct line to our dedicated processors and underwriters, we ensure that your needs are met with unprecedented speed and efficiency. This support system means you can focus on what truly matters – building relationships and guiding your clients through their homeownership journey.
Streamline the mortgage process and enhance client relationships effortlessly. Our suite of cutting-edge digital tools, including user-friendly electronic applications and asset verification via our mobile app, accelerates the path to approval, freeing up your time to invest where it counts the most.
Adapting is our forte, ensuring you’re equipped to address your clients’ evolving needs in a dynamic landscape. We continually expand our comprehensive product portfolio, optimizing processes, and staying attuned to client requirements. While innovation and growth define us, our core remains grounded in the people we serve.
But it’s not just about innovation – it’s about integrity. Our foundation is built on prioritizing our customers’ interests above all else. We’re driven by delivering unwavering strength, stability, and solutions for your clients, accompanied by a level of post-sale service that sets industry standards.
Join Keller Home Loans, a home where trust is earned, partnerships flourish, and success is a shared destination.
