Keller Realty Welcomes You

You need the advice of a Real Estate Professional

The Internet is a great place to find information. But it can't provide the in depth local knowledge and personalized service of a local real estate professional. The challenges of the real estate industry are getting more complex every day. You need a professional that is on top of the market and is prepared to protect your interests and guide you throughout the process.

 As a local real estate expert we are constantly researching the market and analyzing home prices so we can serve you with the latest and most accurate information.

For most families, buying or selling a home is one of the biggest decisions you'll ever make. We would be honored for the chance to help you.  Let's get together to talk about your interest in buying and/or selling plans.

 Call our office (956-687-2700) or send us an e-mail (Kellerteam@kellerrealtyinc.com), we'll set-up a time to meet that is easy and convenient for you.

• How much cash is available for a down payment? The amount you have available for a down payment will affect what types of loans for which you can qualify. Learn more.
• Am I ready to write a check for the earnest money? Earnest money is a cash deposit made to a home seller to secure an offer to buy the property. This amount is often forfeited if the buyer decides to withdraw his offer.
• How much additional cash will be available to pay for closing costs? There are certain standard costs associated with closing the sale of a house. These fees are split between the buyer and the seller, as spelled out in the sales contract. Learn more.
• What is the maximum monthly mortgage payment that I can afford? Most lenders will use the 28/36 rule to determine the maximum mortgage payment you can afford. 

Down-Payment Assistance Program Helps Buyers, Agents

It’s not the same ol’ down-payment assistance program that hit the wall about three years ago! This is a totally different program – not financed by sellers and builders who “jacked up” prices to recoup their costs. Instead, this program is offered by local and state housing-finance agencies and includes federal funding through HUD. The innovative Down Payment Resource is a product of Workforce Resource, a Web-based company connecting housing authorities with multiple listing services and local REALTOR® associations, who then distribute it to their members. Those member agents then work with buyers who need help with finding housing that is close to their work. Inman News carried the announcement on Feb. 28 that the NorthstarMLS has voted to continue offering Down Payment Resource as a tool for its members. The MLS is based in St. Paul, Minn., and serves 14,000 REALTORS® in Minnesota and western Wisconsin. Empire Access MLS, based in White Plains, N.Y., also announced it will adopt the Down Payment Resource tool for its members, according to the Inman story. Respect from real estate authority Steve Cook Former NAR Public Affairs VP Steve Cook also wrote about Down Payment Resource on MortgageMatch.com in “Secrets of Down Payment Assistance.” Cook describes how the program works: “Workforce Resource receives program information and updates from housing authorities and makes it available to multiple listing services and local Realtor associations to distribute to their members. By entering information in the database, buyers can learn whether they qualify based on location, income adjusted for household size, and other factors like whether the property is a foreclosure.” So don’t think your hard-pressed buyers have no alternative when trying to put together funds for a down-payment. THERE IS HOPE! Click for more information about Down Payment Resource in your area.