Message From Kelly
I’ll be with you every step of the way
Hello, I’m Kelly, and I’m here to help you achieve your homeownership and financial goals. As a dedicated loan officer, my mission is to ensure your mortgage experience is a success. Whether you’re buying your first home or planning for retirement, I’m here to guide you through the process.
I’ve been in the mortgage industry since 1994, and my passion for real estate started in childhood when my family managed rental properties. Today, I specialize in helping First Home Buyers, Homeowners, Business Owners, and Seniors achieve financial goals. I specialize in Down Payment Assistance, making homeownership possible, Reverse Mortgages, converting equity into a line of credit in retirement, and alternative products for self-employed borrowers.
I understand the mortgage process can be overwhelming, but I’m here to simplify it for you. I’ll be with you every step of the way.
Let’s connect—I’m excited to help you succeed!
About Kelly
Kelly is a seasoned loan officer with over 25 years of experience in the mortgage industry, bringing a deep well of knowledge and dedication to every client she serves. Throughout her career, Kelly has built a reputation for providing clear guidance, personalized service, and reliable support through every step of the home loan process. Her passion lies in helping individuals and families achieve the dream of homeownership, and she takes pride in building lasting relationships grounded in trust and transparency.
Specializing in first-time home buyers and down payment assistance programs, Kelly is especially skilled at navigating the unique challenges and opportunities these clients face. She takes the time to educate buyers on their options, ensuring they feel confident and informed throughout the journey. Whether it’s securing the right financing or identifying programs that reduce upfront costs, Kelly’s commitment is to make homeownership accessible and attainable for everyone she works with.
Mortgage Products
Bank Statements
Great for self-employed borrowers. Qualify using bank statements. No tax returns required.
DSCR
Property investor-friendly loans. Qualify using market rents only. No ratio available.
1099
Independent contractor-friendly loans. Qualify using 1099 statements. No tax returns required.
Asset Utilization
Great for retirees and entrepreneurs. Use liquid assets to qualify income such as stocks, IRA, 401K and more.
Conventional
Applicable to a wide range of borrowers. Both Fixed and ARM options available.
FHA
Great for first-time home buyers. Put down as little as 3.5% downpayment.
VA Loans
No downpayment and No MI. Home ownership options for veterans and their families.
Refinancing
Lower your current mortgage rate or get cash out. Pay for home renovations, college, and more.
Jumbo Loans
Loan Amounts as high as $3 Million. Both Fixed and ARM options available.
ARM
Great for savvy investors. Typically lower initial rates than fixed term loans. Available in 3, 5, 7, and 10 year terms.
2ND Mortgage
Unlock your home’s equity. Great for home improvement projects or consolidating debt. Provides a fixed rate equity loan option
HELOC
Secured line of credit. Pay for home renovations, college, and more. Provides flexibility to pay down and reuse line of credit.
We have one goal: Deliver a stress-free loan for every borrower, every time.
Why LoanLock?
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster. Here are some of the reasons why you should consider working with LoanLock:
Transparent Regardless of whether you’re refinancing or buying, we provide a clear and concise breakdown of your loan transaction upfront. Never pay credit check, application, or lock-in fees.
Personal Your state licensed Loan Advisor is your personal concierge throughout the entire mortgage process. They are focused on you and your specific goals.
Green We use fast and secure technology to provide you with as close to a paperless experience as possible. We care about your experience and the environment.