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Keith Kampe

Sr Loan Officer

NMLS ID: 771049

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can craft a home lending solution that’s tailor-fit to your needs.

Keith Kampe

35238 Woodward Avenue

Birmingham, MI 48009-0935

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Hello, and thank you for coming to my web page. I've spent my entire mortgage career at Flagstar Bank, originating residential mortgages since 2009. My broad lending reach allows me to serve all 50 states and the Virgin Islands. I specialize in servicing the Metro Detroit area with offices in Birmingham, Rochester Hills, and Troy.

 

Flagstar Bank is dedicated to crafting the best financial products for our customers. I strive to follow this mission in my practice, and always give the best customer service. It's very important to provide and explain all mortgage options to my clients to empower them to choose the best option for their needs.

 

Flagstar Bank has recognized me as a top-producing loan officer every year since 2012. Most recently, I was ranked as a top-five loan officer and honored with the Platinum Award.

 

I'm an avid sports fanatic and currently reside in Royal Oak, MI with my lovely wife Ashley and our dog.

 

Please contact me to see what mortgage option we can craft together.

Professional Affiliations

  • Homelending Platinum Producer

Mortgage Skills

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • VA Government Loans

Education

  • Bachelor of Science - Finance, Oakland University

Languages Spoken

  • English
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?

Today's Rates

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A mortgage expert will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.

 

1Rate as of 1/19/2018 4:16 PM ET. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,000 with 360 monthly payments in the amount of $1,169. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 1/19/2018 4:16 PM ET. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,000 with 180 monthly payments in the amount of $1,721. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  1/19/2018 4:16 PM ET. The APR calculation is based on a 7/1 adjustable-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,000 with 360 monthly payments in the amount of $1,132.  Payment amount does not include taxes and insurance which means your monthly obligation will be greater. With an adjustable-rate mortgage (ARM), your 7/1 loan will have an initial fixed-rate period of 72 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset.  Rate is variable after the fixed-rate period and subject to change once every year for the remaining life of the loan.  Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

4Rate as of  1/19/2018 4:16 PM ET. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,000 plus 1.75% FHA funding fee with 360 payments in the amount of $1,131. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.