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.
Kelly Figueiredo, Mortgage Loan Originator, NMLS #1880962, provides mortgage guidance through Innovative Mortgage Services, Inc., Company NMLS #250769.
She works with first-time homebuyers, repeat buyers, real estate investors, and borrowers exploring alternative-documentation programs. Depending on borrower, property, occupancy, documentation, lender, and underwriting requirements, available mortgage options may include conventional, FHA, VA, USDA, jumbo, condo, construction, refinance, investment-property, ITIN, foreign national, and other eligible programs.
Support is available in English, Portuguese, and Spanish. Kelly’s approach focuses on clear communication, understanding financing goals, and helping borrowers navigate the mortgage process from initial scenario review through secure application and closing.
Mortgage Loan Originator
NMLS #188096
“Clear guidance for your mortgage goals.“
Kelly Figueiredo, Mortgage Loan Originator, NMLS #1880962, provides mortgage guidance through Innovative Mortgage Services, Inc., Company NMLS #250769.
She works with first-time homebuyers, repeat buyers, real estate investors, and borrowers exploring alternative-documentation programs. Depending on borrower, property, occupancy, documentation, lender, and underwriting requirements, available mortgage options may include conventional, FHA, VA, USDA, jumbo, condo, construction, refinance, investment-property, ITIN, foreign national, and other eligible programs.
Support is available in English, Portuguese, and Spanish. Kelly’s approach focuses on clear communication, understanding financing goals, and helping borrowers navigate the mortgage process from initial scenario review through secure application and closing.
Mortgage Loan Originator
NMLS #1880962
“Clear guidance for your mortgage goals. “
Explore mortgage options that may fit your goals. Program availability, documentation, qualification and property requirements vary by borrower, property, lender and applicable guidelines.
Investment property financing that may use property rental income as part of the qualification analysis. Program requirements vary by property, borrower, lender and underwriting guidelines.
Government-backed mortgage financing for eligible borrowers purchasing qualifying properties in designated areas. Income, occupancy, location and other program requirements apply.
Mortgage financing for eligible veterans, active-duty service members and certain qualifying surviving spouses, subject to VA eligibility and lender guidelines.
Mortgage options for eligible borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. Documentation and qualification requirements vary by lender and program.
Financing for eligible borrowers building or substantially renovating a property. Loan structure, draw schedules, builder requirements and permanent financing options vary by program.
Financing for eligible commercial and business-purpose real estate transactions, including purchases and refinances. Property, documentation and qualification requirements vary by lender.
Mortgage options for self-employed borrowers whose income documentation may differ from traditional W-2 borrowers. Accepted documentation and qualification requirements vary by lender and program.
Refinancing options for eligible homeowners seeking to restructure an existing mortgage or access available equity. Terms, costs and qualification depend on the borrower, property, lender and market conditions.
Government-insured mortgage financing for eligible homebuyers, subject to FHA and lender requirements. Credit, occupancy, property and other qualification guidelines apply.
Mortgage financing not insured or guaranteed by a government agency, with options that may be available for eligible primary residences, second homes and investment properties. Requirements vary by lender and program.
Mortgage options for eligible borrowers financing properties above applicable conforming loan limits. Qualification, documentation, reserves and property requirements vary by lender and program.
Mortgage options for eligible condominium purchases and refinances, subject to borrower qualification, project review, property eligibility and lender guidelines.
Mortgage options for eligible non-U.S. residents purchasing or refinancing residential real estate in Florida. Documentation, asset, occupancy and property requirements vary by lender and program.
You may have assistance or grant options available based on your location, income, property type, and program guidelines. Start with a quick review and see what options may fit your path to homeownership.
Disclaimer: Program availability, terms and eligibility are subject to borrower qualification, property eligibility, documentation, lender and underwriting guidelines. This information is for general informational purposes only and does not constitute a commitment to lend, prequalification or preapproval.
3 Simple Steps to Start Your Mortgage Review
We begin with a conversation to understand your home financing goals and general mortgage needs.
We review mortgage options based on your goals, property type, occupancy, documentation profile, and applicable lender guidelines.
Submit a secure application to begin the mortgage review process. Any preapproval requires applicable documentation and underwriting review.
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