Vicky Kelly Loan Officer

At Your Service

I have many years of experience in the real estate industry, specializing in First-Time Homebuyers and approved to do down payment assistance programs tailored to fit your needs.

I have held a real estate license for the past 40 years and have worked in various aspects of the industry.  I started my career in the real estate industry as a real estate agent selling homes in 1977 while attending college full-time.  I have worked as an appraiser, a title secretary, an escrow officer and finally landed in the mortgage industry 16 years ago.

My vast experience in all these aspects of the real estate industry makes my a valuable asset to you, the client, as I “know” my way around the whole real estate buying process.    

I owe “many thanks” to my past clientele as they have contributed to my success as a top-producer for the past several years.   “I pride myself on the fact that 80% of my business comes from my past clients and their referrals.  They are the backbone of my business.   I treat every loan as if it were my own and follow the golden rule: “do unto others as you would have done unto you”.  I expect to be treated professionally and fairly and strive to give my clients the same service".  


Realtor, Charles H. - "There was an issue with a rate Vicky went above and beyond to get what our client was under the impression she was getting. Due to contingencies and the other lender on her listing it cause our funds to come in a few days late she remained calm and was able to make it so our client didn't have to pay points for this delay by the buyer of her property. I can't say enough about Vicky I deal with a lot of lenders and she stayed calm communication was great and she made it seem smooth and seamless for our client. I will defiantly refer buyers to her."  Aug 2014

Buyer:  Erin A. - "Vicky was great to work with! She always responded promptly to any questions or concerns we had. She was able to get us funded quickly and at a great rate. Would definitely recommend her to our friends and family. July 2014

Buyer:  Roldan A. - "This is our second purchase, and Vicky made the process seem smooth and easy from Day 1. Whenever we had questions she was ready and available to assist even after hours. She was was absolutely amazing to work with and were so glad we were referred to her. We will definitely be going to Vicky if we purchase a home again."  July 2014


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