Our Mission
Our mission is to find the right mortgage solution for every client.
At Loans by Kelly, we match each client with the mortgage product that best fits their unique needs, guided by ethical practices, transparency, and personalized service.
Whether your goal is homeownership, real estate investment, refinancing, or expanding your portfolio, we work diligently to ensure your financing strategy fully supports your objectives.
We believe every successful loan begins with understanding your story. From first-time homebuyers to seasoned investors, we are committed to helping you navigate the mortgage process with confidence, clarity, and care.
Call us today and share your story, your next real estate goal begins here.
With over a decade of experience in the U.S. mortgage industry, Loans by Kelly offers a personalized, strategic approach to home financing, grounded in trust, expertise, and proven results.
We specialize in serving first-time homebuyers, real estate investors, and clients who require alternative documentation solutions. Through access to over 100 lending partners, we identify the most effective mortgage option for each unique scenario.
As a trilingual mortgage advisor (English, Portuguese, and Spanish), Kelly Figueiredo understands the complexities faced by both U.S. and international borrowers. From traditional and government-backed loans to Non-QM, DSCR, and investor programs, we provide clear guidance and confident support at every stage — from pre-approval through closing.
By combining fast turnaround times, advanced digital tools, and hands-on consultative service, we simplify the mortgage process while keeping your goals at the center of every decision.
Mortgage Specialist
NMLS# 1880962
“Avoid delays, headaches, and getting outbid. Faster pre-approvals and closing in under a week ARE achievable”
With over a decade of experience in the U.S. mortgage industry, Loans by Kelly offers a personalized, strategic approach to home financing, grounded in trust, expertise, and proven results.
We specialize in serving first-time homebuyers, real estate investors, and clients who require alternative documentation solutions. Through access to over 100 lending partners, we identify the most effective mortgage option for each unique scenario.
As a trilingual mortgage advisor (English, Portuguese, and Spanish), Kelly Figueiredo understands the complexities faced by both U.S. and international borrowers. From traditional and government-backed loans to Non-QM, DSCR, and investor programs, we provide clear guidance and confident support at every stage — from pre-approval through closing.
By combining fast turnaround times, advanced digital tools, and hands-on consultative service, we simplify the mortgage process while keeping your goals at the center of every decision.
Mortgage Specialist
NMLS# 1880962
“Avoid delays, headaches, and getting outbid. Faster pre-approvals and closing in under a week ARE achievable”
An investor loan that qualifies based on the property’s rental income, not personal income. Ideal for investment properties and short-term rentals.
A government-backed mortgage for eligible rural and suburban areas, offering 100% financing and low interest rates.
A zero down payment loan for U.S. military veterans and eligible spouses, backed by the Department of Veterans Affairs.
Mortgage options for borrowers without a Social Security Number, using an Individual Taxpayer Identification Number (ITIN).
Financing designed to build a home from the ground up, with options to convert to a permanent mortgage.
Loans for commercial real estate and business properties, including purchase, expansion, or refinance.
Ideal for self-employed borrowers, qualifying with 12–24 months of bank statements instead of tax returns.
Replace your current mortgage with better rates, lower payments, or cash-out equity.
A government-insured loan with lower credit requirements and low down payment options, ideal for first-time buyers.
A non-government-backed mortgage offering flexible terms and competitive rates for qualified borrowers.
Designed for high-value properties that exceed conventional loan limits, offering flexible terms for luxury homes.
Financing options for condominiums, subject to project approval and lender guidelines, for primary homes or investments.
Mortgage solutions for non-U.S. residents, allowing you to finance U.S. real estate using international income and assets.
3 Simple Steps to Get Pre-Approved with Confidence
We begin with a quick conversation to understand your goals, review your financial situation, and identify the best loan options for you.
We match you with the right loan option, whether you’re a first-time homebuyer, investor, self-employed borrower, or using alternative documentation.
Submit your application and receive a fast, no-obligation pre-approval, so you can move forward with confidence.
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