Welcome to loansbykelly.net (the “Site”). The Site is operated by Innovative Mortgage Services, Inc. d/b/a Loans by Kelly in connection with the mortgage loan origination services provided by Kelly Figueiredo, Mortgage Loan Originator, NMLS #1880962. Loans are originated through Innovative Mortgage Services, Inc., NMLS #250769.
By accessing or using the Site, you agree to these Terms of Use. If you do not agree with these Terms, please do not use the Site.
The content available on this Site is provided solely for general informational and educational purposes. Nothing on this Site constitutes an offer to lend, a loan approval, a pre-approval, a rate quote, a rate lock, or a commitment to extend credit.
Loan programs are subject to borrower qualification, credit approval, property eligibility, underwriting requirements, lender conditions, and program availability. Programs, guidelines, rates, costs, and terms may change without notice.
Information on this Site does not constitute financial, legal, accounting, or tax advice. You should consult appropriately qualified professionals regarding your individual circumstances.
Mortgage services promoted under the Loans by Kelly name through this Site are intended only for properties located in the State of Florida.
Any mortgage calculator, payment illustration, rate display, or scenario estimate available on the Site is provided for educational and illustrative purposes only.
Calculations are based on the information entered by the user and may also use general market information or published indexes, such as the Freddie Mac Primary Mortgage Market Survey. These figures do not represent a personalized loan offer or a rate available to any particular borrower.
Estimated payments may not include all applicable taxes, property insurance, mortgage insurance, homeowners’ association fees, closing costs, prepaid expenses, or other charges.
Actual rates, annual percentage rates, payments, costs, and loan terms will depend on factors that may include the borrower’s credit profile, income, assets, debts, occupancy, property type, property value, loan program, lender requirements, and market conditions at the time of application.
You may use the Site only for lawful, personal, and non-commercial purposes.
You agree not to misuse the Site, including by:
The Site and its content, including its text, design, graphics, photographs, videos, logos, trademarks, and other materials, are owned by or licensed to Innovative Mortgage Services, Inc. and are protected by applicable intellectual property laws.
You may view the Site for personal, non-commercial purposes. You may not copy, reproduce, modify, publish, distribute, sell, license, or create derivative works from Site content without prior written permission from the applicable rights holder.
The Site may contain links to third-party websites and services, including a secure mortgage application portal, NMLS Consumer Access, government resources, market-information providers, social media platforms, and other service providers.
Third-party websites and services are governed by their own terms, privacy policies, and security practices. Innovative Mortgage Services, Inc. and Kelly Figueiredo do not control and are not responsible for the availability, content, accuracy, security, or practices of third-party websites.
A link to a government or third-party website does not indicate sponsorship, approval, endorsement, or affiliation unless expressly stated.
The Site is provided on an “as is” and “as available” basis.
Although reasonable efforts are made to keep Site information current and accurate, no warranty or representation is made regarding the completeness, accuracy, reliability, timeliness, suitability, security, or availability of the Site or its content.
To the fullest extent permitted by law, all express and implied warranties are disclaimed.
To the fullest extent permitted by applicable law, Innovative Mortgage Services, Inc., Kelly Figueiredo, and their respective officers, employees, representatives, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to:
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.
Submitting a general contact form or mortgage scenario request through the Site does not create a client, broker, fiduciary, or lender-borrower relationship. It does not initiate a mortgage loan application, constitute a pre-approval or loan approval, or guarantee any particular outcome.
The Site’s preliminary scenario form is intended to collect only general, non-sensitive information for an initial educational discussion.
Do not submit Social Security numbers, dates of birth, bank account information, tax returns, bank statements, government identification documents, credit card information, wiring instructions, passwords, or other confidential financial information through a general Site form or by regular email.
Confidential information and documents must be submitted only through the secure mortgage application portal designated by Innovative Mortgage Services, Inc.
Any consent to receive telephone calls, text messages, or marketing communications is governed by the disclosure presented at the point where consent is requested. Marketing consent must be voluntary and is not a condition of obtaining mortgage services. Message and data rates may apply. Communication preferences may be changed using the instructions provided with the applicable communication.
Personal information submitted through the Site will be handled in accordance with the Site’s Privacy Policy and Legal Disclaimer.
Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional, and all applicable conditions must be satisfied by the borrower.
A loan is approved only when the lender has issued approval in writing, subject to all applicable lender conditions. Any rates or terms referenced on the Site are contingent upon loan approval and are subject to change without notice due to market conditions.
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.
To the extent permitted by applicable law, any legal proceeding arising from or relating to these Terms or the Site shall be brought in an appropriate state or federal court located in Florida.
These Terms may be revised periodically. Changes will become effective when the revised Terms are published on the Site with an updated effective date.
Your continued use of the Site after revised Terms are published constitutes acceptance of those revisions.
Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by the borrower(s). A loan is only approved when the lender has issued approval in writing and is subject to all lender conditions. Any specified rates and terms are contingent upon loan approval and are subject to change without notice due to unpredictable market conditions.
Innovative Mortgage Services, Inc. is a Florida licensed lender. Florida Mortgage Lender License MLD178. Company NMLS #250769. Kelly Figueiredo, Mortgage Loan Originator, NMLS #1880962.
Loans by Kelly is a registered fictitious name of Innovative Mortgage Services, Inc.
Effective and Last Reviewed: July 14, 2026
Kelly Figueiredo and Innovative Mortgage Services, Inc. d/b/a Loans by Kelly are committed to making loansbykelly.net (the “Site”) accessible to the widest possible audience, including individuals with disabilities.
We believe everyone deserves clear and equal access to educational information about home financing and mortgage services.
Our goal is to conform to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, wherever reasonably possible.
We work toward supporting accessibility through measures such as:
Accessibility is an ongoing practice, not a one-time project. We periodically review the Site as content and features are added or updated and aim to address identified accessibility issues within a reasonable period.
Despite these efforts, some areas of the Site may not yet fully meet every accessibility standard. We welcome feedback that can help us identify and correct accessibility barriers.
The Site may link to or embed third-party websites and services, including a secure mortgage application portal, scheduling platforms, market-information providers, government resources, and NMLS Consumer Access.
Although we select service providers thoughtfully, we do not control and cannot guarantee the accessibility of third-party websites or platforms. If you experience difficulty with a third-party service accessed through our Site, please contact us so we can help you identify an alternative way to obtain the information or assistance you need.
If you experience difficulty accessing any part of the Site, encounter an accessibility barrier, or would like Site information provided in an alternative format, please contact us.
We will make reasonable efforts to assist you and provide the requested information through an accessible alternative, including by telephone or email.
When reporting an accessibility issue, it is helpful to include:
We take accessibility concerns seriously and appreciate your feedback.
Equal Housing Opportunity
[www.NMLSConsumerAccess.org] www.NMLSConsumerAccess.org
Loans by Kelly is a registered fictitious name of Innovative Mortgage Services, Inc.
