The information provided on this website is for general informational and educational purposes only and does not constitute a loan offer, commitment to lend, loan approval, pre-qualification, or pre-approval.
All mortgage programs, interest rates, annual percentage rates (APR), terms, fees, eligibility requirements, and conditions are subject to change without notice and may vary based on borrower qualifications, creditworthiness, loan amount, property type, property value, loan-to-value ratio, occupancy, loan purpose, documentation, market conditions, lender requirements, and other applicable factors.
Not all applicants will qualify for all loan programs. All mortgage loan applications are subject to applicable underwriting guidelines, credit review, income and asset verification, property eligibility, appraisal requirements, and final lender approval.
Any pre-qualification or pre-approval is subject to the terms and conditions stated in the applicable written communication and does not constitute a commitment to lend unless expressly identified as such by an authorized lender.
Actual interest rates, APRs, payments, closing costs, fees, and loan terms will be determined based on the circumstances existing at the time of application, rate lock, underwriting, and closing, as applicable.
Loans by Kelly and Innovative Mortgage Services, Inc. are committed to fair lending and equal housing principles.
Mortgage applicants are evaluated in accordance with applicable federal and state fair lending laws, including the Fair Housing Act and the Equal Credit Opportunity Act (ECOA) and its implementing Regulation B.
We do not discriminate in any aspect of a credit transaction on any basis prohibited by applicable federal or state law.
Kelly Figueiredo
Mortgage Loan Originator
NMLS #1880962
Loans by Kelly
Mortgage services brokered through:
Innovative Mortgage Services, Inc.
NMLS #250769
Corporate Office:
17717 Hunting Bow Circle, Unit 101 Lutz, FL 33558
Loans by Kelly Contact:
Phone: (561) 459-6284
Email: kellyfigueiredo@loansbykelly.net
Licensing and registration information may be verified through [NMLS Consumer Access].
Mortgage products and services are available only in jurisdictions where the applicable mortgage company, lender, broker, and mortgage loan originator are properly licensed, registered, exempt, or otherwise authorized to conduct the applicable activity.
Innovative Mortgage Services, Inc. maintains mortgage licenses and registrations in multiple U.S. states. Availability of a particular mortgage product or service may vary by state, borrower, property location, loan purpose, lender, and program.
The fact that information about a mortgage program appears on this website does not mean that the program is available in every state or to every applicant.
For current company license numbers and state-specific regulatory notices, please review [State License Designations].
Innovative Mortgage Services, Inc. holds Florida Mortgage Lender License MLD178 and Florida Mortgage Lender Servicer License MLD2167.
Kelly Figueiredo — NMLS #1880962.
Mortgage activity in Florida is conducted subject to applicable provisions of Chapter 494, Florida Statutes, and applicable rules and regulations.
This website is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this website.
Loans by Kelly and Innovative Mortgage Services, Inc. do not offer or solicit New York residential mortgage loan origination through this website unless and until all required New York licenses, registrations, and website authorizations are obtained.
Depending on the mortgage product or program, Innovative Mortgage Services, Inc. may fund a loan or may arrange financing with third-party lenders, banks, investors, or other mortgage providers.
The lender that ultimately funds a particular loan may be different from Innovative Mortgage Services, Inc. The applicable lender, creditor, and loan terms will be identified in the disclosures and loan documents provided in connection with the transaction.
Access to multiple lending sources does not guarantee approval, a particular interest rate, the lowest available rate, or any specific loan terms.
Any interest rate, annual percentage rate (APR), payment amount, down payment, loan amount, loan term, finance charge, or other credit term displayed on this website is provided only under the assumptions and conditions stated with the applicable advertisement or example.
Advertised credit terms are subject to availability and borrower qualification.
When an advertisement contains terms that require additional disclosures under the Truth in Lending Act or Regulation Z, the applicable advertisement will include the disclosures required by law, which may include the amount or percentage of any required down payment, repayment terms, APR, information regarding changes in rates or payments, and other applicable information.
Where a payment displayed for a mortgage secured by a dwelling does not include property taxes, homeowners insurance, mortgage insurance, homeowners association assessments, or similar amounts, the borrower’s actual total monthly housing payment may be higher.
Rates and terms are not guaranteed until properly locked and confirmed in accordance with the applicable lender’s policies.
Mortgage calculators, affordability tools, payment estimates, rate examples, charts, educational illustrations, and other interactive tools provided on this website are for estimation and educational purposes only.
Results generated by these tools do not constitute a loan estimate, pre-qualification, pre-approval, credit decision, approval, loan offer, or commitment to lend.
Actual payments and costs may include principal, interest, taxes, insurance, mortgage insurance, homeowners association fees, assessments, closing costs, prepaid items, and other expenses that may not be included in an online estimate.
References to FHA, VA, USDA, conventional, conforming, state or local assistance programs, or other mortgage programs are provided for informational purposes.
Loans by Kelly is not a government agency.
References to government-insured, government-guaranteed, or government-sponsored mortgage programs do not imply that Loans by Kelly or Innovative Mortgage Services, Inc. is endorsed by or affiliated with the applicable governmental agency, except to the extent expressly authorized by law.
Eligibility for any government-related program is subject to applicable program requirements and lender underwriting.
Consumers may have the right to shop for certain settlement services in connection with a mortgage transaction, subject to applicable law and loan program requirements.
Loans by Kelly and/or Innovative Mortgage Services, Inc. may provide information about or referrals to third-party settlement service providers.
A referral does not necessarily constitute an endorsement or guarantee of the provider’s services.
If a referral involves an affiliated business arrangement that is subject to the Real Estate Settlement Procedures Act (RESPA), any disclosure required by applicable law will be provided separately.
Except where otherwise permitted or required by applicable law or a particular loan program, consumers are not required to select a particular settlement service provider solely because the provider was referred by Loans by Kelly, Innovative Mortgage Services, Inc., or another party involved in the transaction.
Providing a telephone number or email address for purposes of requesting mortgage information may allow Loans by Kelly, Kelly Figueiredo, Innovative Mortgage Services, Inc., or authorized service providers to contact you regarding your inquiry as permitted by applicable law.
Where a website form separately requests consent to receive marketing calls or text messages, such communications will be sent only in accordance with the consent provided and applicable law.
If you affirmatively opt in to SMS or marketing communications, message frequency may vary and message and data rates may apply.
You may opt out of marketing text messages by replying STOP. Where supported, reply HELP for assistance.
Consent to receive marketing communications is not a condition of obtaining mortgage credit or purchasing goods or services.
Opting out of marketing communications does not necessarily prevent communications that are required, permitted, or reasonably necessary to administer an existing mortgage application or transaction.
Loans by Kelly respects the privacy of consumers and handles personal information in accordance with its applicable privacy practices and legal obligations.
Information submitted through this website may include contact information, financial information, mortgage-related information, and other information provided by the consumer.
For information concerning the collection, use, disclosure, retention, and protection of personal information, please review our [Privacy Policy].
Information submitted through a third-party mortgage application portal or service provider may also be subject to that provider’s privacy policy and security practices.
This website may contain links to third-party websites, mortgage application platforms, lenders, service providers, government agencies, social media platforms, or other external resources.
Loans by Kelly does not control the content, security, privacy practices, availability, or policies of independent third-party websites.
A link to a third-party website does not necessarily constitute an endorsement of that third party.
Users should review the privacy policies, terms of use, and disclosures applicable to any third-party website or service before submitting personal or financial information.
Information provided on this website is intended to provide general mortgage and real estate financing information.
Nothing on this website should be interpreted as legal, tax, accounting, financial planning, or investment advice.
Consumers should consult qualified professionals concerning their individual legal, tax, accounting, or investment circumstances.
Mortgage guidelines, interest rates, loan limits, assistance programs, underwriting requirements, government program rules, licensing information, and other mortgage-related information may change.
Although reasonable efforts are made to provide accurate and useful information, information published on this website may become outdated and should be independently confirmed before being relied upon for a mortgage or financial decision.
© 2026 Loans by Kelly. All rights reserved.
Unless otherwise indicated, original website content, text, branding, graphics, and other proprietary materials may not be reproduced, distributed, republished, or used without prior authorization.
Mortgage services brokered through Innovative Mortgage Services, Inc. — NMLS #250769.
Kelly Figueiredo — NMLS #1880962.
Last Updated: August 2026
