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Jeanell Kelly Mortgage Loan Originator
Discover how much home you can afford based on your income, down payment, and other criteria.

Welcome to Jeanell Kelly Mortgage Services

I am Jeanell Kelly, your trusted Mortgage Loan Originator based in Florida. I'm here to guide you through the mortgage process and help you find the right loan tailored to your needs.

Our Portfolio

FHA Loan Success
Guided a first-time homebuyer through the FHA loan process, ensuring they secured a low down payment option.
Refinance Break-Even Calculator
VA Loan Home Purchase
Assisted a veteran in obtaining a VA loan, providing thorough explanations and outstanding customer service.
Refinance Break-Even Calculator
Conventional Loan Refinance
Helped a client refinance their conventional loan, lowering their monthly payments significantly.
Refinance Break-Even Calculator

Why Choose Me?

Discover what sets me apart in the mortgage industry and how I can help you achieve your homeownership dreams.

Personalized Service
60
I take the time to understand your unique situation and craft a loan strategy that fits your lifestyle and financial goals.
77
Expert Guidance
90

Your Debt-to-Income (DTI) ratio compares your total monthly debt payments to your gross monthly income, helping lenders assess your repayment abilities.

Step 1: Talk
Schedule a free consultation with me to discuss your goals and options for financing.
Step 2: Get Pre-Approved
I’ll help you complete the pre-approval process, so you know your budget and can make an offer confidently.
Step 3: Close
Finalizing your loan will involve signing documents and ensuring all conditions are met to close successfully.

I cater to various clientele, ensuring each unique financial situation is addressed with personalized service and guidance.

Navigating the mortgage process can be overwhelming. I specialize in helping specific groups of borrowers to ensure a tailored approach for each.

First-Time Homebuyers
Buying your first home can be daunting. I will simplify the process and guide you every step of the way, ensuring you find the right loan.
Move-Up Buyers
If you're looking to upgrade your home, I can help you navigate the financial aspects of your new investment while maximizing your current home's value.
Veterans and Military
I understand the unique challenges you face and offer specialized loan options to make homeownership easier for those who serve our country.
1+
Years of Experience in the Industry

Types of Loans

Conventional Loans
Traditional financing option ideal for buyers with good credit and a stable income. Best for those who want to avoid mortgage insurance with a 20% down payment.
FHA Loans
Great for first-time buyers, FHA loans offer lower credit score requirements and a smaller down payment, making homeownership more accessible.
VA Loans
Exclusive benefits for veterans and active military, these loans often require no down payment and have competitive interest rates.
USDA Loans
Perfect for rural homebuyers, USDA loans offer 100% financing options and have income limits for eligibility.
Jumbo Loans
These loans exceed conforming loan limits, suitable for luxury home purchases or higher value properties, requiring stricter credit criteria.
First-Time Homebuyer Programs
Specialized programs helping new buyers with down payment assistance and favorable loan terms to encourage homeownership.
Refinance Options
Whether you're looking for rate/term refinancing or cash-out refinancing, we will find the right option for you to save money or access your home's equity.
HELOC/Home Equity Loans
Leverage the equity in your home to fund major expenses or projects through flexible financing options with manageable payments.

Pricing Plans

Articles

First-Time Buyers

Submit149

Understand mortgage lingo with my easy-to-understand glossary that demystifies common terms for homebuyers.

  • What is APR?
  • The Annual Percentage Rate (APR) represents the true cost of borrowing, including interest and fees.
  • What is Escrow?
  • Escrow is a secure way to hold onto your funds until the terms of an agreement are met, such as for property taxes or homeowners insurance.
  • What is PMI?
Read More

Credit & Qualifying

Submit220

Understand mortgage lingo with my easy-to-understand glossary that demystifies common terms for homebuyers.

  • What is APR?
  • The Annual Percentage Rate (APR) represents the true cost of borrowing, including interest and fees.
  • What is Escrow?
  • Escrow is a secure way to hold onto your funds until the terms of an agreement are met, such as for property taxes or homeowners insurance.
  • What is PMI?
Read More

Market Updates

Submit250

Understand mortgage lingo with my easy-to-understand glossary that demystifies common terms for homebuyers.

  • What is APR?
  • The Annual Percentage Rate (APR) represents the true cost of borrowing, including interest and fees.
  • What is Escrow?
  • Escrow is a secure way to hold onto your funds until the terms of an agreement are met, such as for property taxes or homeowners insurance.
  • What is PMI?
Read More

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