When is the Right Time to Refinance?

October 11, 2018

By Dan Brown I’m often approached by clients who are curious about refinancing: what it is, when it’s the right time to go about it, and why they should consider it. A refinance is the process of swapping out your existing mortgage loan with a new one that’s based on a current snapshot of your financial situation. … Read More

What is Private Mortgage Insurance (PMI) and How Can it Help You?

September 5, 2018

By Jim Gallagher If you’re thinking about buying a home, you’ve probably been considering how much money you can allocate towards your down payment.  That’s a good start to your planning, but it’s important to understand that in addition to your down payment, there are other lesser-known expenses you will be responsible for like Title … Read More

How Your Mortgage Processor Works for You

August 9, 2018

By: Christina Siegel Many homebuyers spend a lot of time wondering how Lenders determine a potential buyer’s purchasing power and just how their qualifications affect the mortgage pre-approval process.  While those details are very important to a successful experience, it is equally important to understand what comes after pre-approval.  Below is a little insight from … Read More

Loan Officers & Realtors Work Together for You

May 23, 2018

By: Mike Thompson and Steve Gouveia Many homebuyers, especially first-time buyers, get confused about the relationship between Realtors and Loan Officers. Too often, these two entities are seen as completely separate. However, the partnership between your Lender and Real Estate Agent is vital and can be a primary factor helping you find a dream home … Read More

Understanding the No-Stress 5-Step Mortgage Process

April 13, 2018

By: Dan Brown Quite a few of our clients come into the mortgage process relatively blind.  Not knowing what’s to come can make such an important decision more stressful than it needs to be. At the Kelly Mortgage Team, we always take the time to educate our clients throughout the entire home-buying process so that … Read More

The Benefits of Buying and Costs of Waiting

March 14, 2018

By Tia McCormick Making the decision to buy a home is undoubtedly one of the biggest decisions you’ll make in your life. It’s no surprise that so many people, especially first-time homebuyers, delay that decision. However, if you are one of those people waiting for the perfect time to buy, we have four reasons why … Read More

How to Buy a Home if You Have Student Debt

February 16, 2018

By Reena Shah If you’re a prospective first-time homebuyer but you haven’t pulled the trigger is it because of your student loans? If so, you’re not alone. In fact, 83 percent of non-homeowners cite student loans as a factor in delaying homeownership. We’re here to tell you that you don’t have to wait! Not only … Read More

Housing Market 2017 Analysis and 2018 Predictions

January 23, 2018

By: Dan Kelly Your favorite loan officers here at The Kelly Mortgage Team recently came together to analyze the 2017 housing and mortgage market and discuss what 2018 will look like. To give you the inside scoop, here is our evaluation and predictions. 2017 Analysis National Trends In the second quarter of 2017, national real estate … Read More

How A VA Loan Expert Can Help You Maximize Benefits

January 12, 2018

How A VA Loan Expert Can Help You Maximize Benefits By: Steve Gouveia and Mike Thompson Did you know that the VA Loan is, hands down, the best type of loan offered? In terms of benefits and costs, few loans can beat it. However, most of the veterans we work with don’t know specifics about … Read More

Online vs. Local

November 16, 2017

By: Jim Gallagher If you are anything like the normal American, then your life is probably busy. In an effort to curb the chaos, people often look for the easiest way to accomplish the tasks they’re facing. Mortgage shopping and applications are no different. In fact, by 2015 48 percent of borrowers chose an online lender … Read More