Mortgage Financing

Keller Home Loans · NMLS #2676045

Mortgage financing, explained clearly

Jim Tsoukalas is a loan officer with Keller Home Loans, a division of Mutual of Omaha Mortgage, Inc. He helps you understand what you qualify for, what a payment really includes, and which loan types fit your situation. Applications and documents go through the lender’s secure portal.

Who this helps

First-time buyers who want to know their budget before shopping
Eligible veterans and service members considering a VA loan
Buyers in eligible rural areas considering USDA financing
Homeowners exploring a refinance or cash-out refinance
Buyers comparing fixed-rate and adjustable-rate options

Documents lenders typically ask for

Government-issued photo ID
Pay stubs covering the most recent 30 days
W-2s for the last two years, or tax returns if self-employed
Recent bank statements for every account used for down payment or closing costs
Details on debts, and a gift letter if family is helping with funds

How it works

From first question to closing

Conversation. We talk through goals, budget, and timing. No application needed to ask questions.
Application. You apply through Keller Home Loans’ secure portal.
Review. Credit, income, and assets are reviewed, and Jim explains the results.
Pre-approval. You receive a pre-approval to shop with, subject to final underwriting.
Loan Estimate. Once you have a property, you receive a Loan Estimate showing rate, payment, and costs.
Processing and underwriting. Appraisal, verification, and final approval conditions.
Closing Disclosure and closing. You receive your Closing Disclosure at least three business days before closing, then sign.

Loan options available through Keller Home Loans include: conventional, FHA, VA, USDA, refinance and cash-out refinance, and adjustable-rate (ARM) loans. Eligibility, rates, and terms depend on your credit, income, assets, property, and program guidelines.

Questions

Frequently asked questions

What is the difference between pre-qualified and pre-approved?

A pre-qualification is an estimate based on what you tell the lender. A pre-approval follows a review of your credit and documents, so it carries more weight with sellers. Neither is a final loan approval.

How much do I need for a down payment?

It depends on the program. Some programs, such as VA and USDA for eligible borrowers, allow little or no down payment; others require more. Jim will compare options using your numbers.

Will shopping for a mortgage hurt my credit?

A mortgage application includes a credit inquiry. Credit scoring models generally treat several mortgage inquiries within a short shopping period as a single inquiry.

Do I have to use Keller Home Loans if Jim is my real estate agent?

No. You can choose any lender, and you can work with Jim as your agent either way.

Can you guarantee my approval or rate?

No. Approval, rates, and terms are determined by underwriting and change with the market. Jim will explain your actual Loan Estimate line by line.

Ready to see what you qualify for?

Start a secure application with Keller Home Loans, or send Jim a question first.

Jim Tsoukalas, Loan Officer, NMLS #2676045. Keller Home Loans is a division of Mutual of Omaha Mortgage, Inc., NMLS ID 1025894, 3131 Camino Del Rio North, Suite 1100, San Diego, CA 92108. Licensed by the Department of Financial Protection & Innovation under the California Residential Mortgage Lending Act, License 4131356. Verify licensing at NMLS Consumer Access. This is not a commitment to lend. All loans are subject to credit approval, underwriting, and property eligibility. Programs, rates, and terms may change without notice. Equal Housing Opportunity.

Mortgage Financing