Meet Steve Kelly
Loan Advisor
Loan Advisor
Client Wins
★#LendUSWins
I needed to close in 30 days, but you exceeded my expectations and brought me home in half the time!
Already in contract and ready to move to a new neighborhood, our client and his family were referred to us to assist with their home financing. School was already in session and our buyer needed to close on his new home within 30 days to make the enrollment cutoff. Understanding the need for speed, we quickly reviewed his financials and packaged his loan to our underwriter a day after meeting. His previous lending experiences had taken at least 45 days, so when we told him we were on track to close in 15 days, he was in disbelief. By exceeding expectations and closing ahead of our deadline, we made sure our buyer and his family were settled in their home in plenty of time to get the children ready for their new school.
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★#LendUSWins
Your team’s creative thinking helped me grow my investment portfolio
A longtime client of ours came back to purchase yet another property for her growing investment portfolio. Though she had the cash available from an equity line on her primary residence, she wanted to preserve those funds for necessary repairs on the new purchase. But, because she had purchased and renovated multiple investment homes the year prior and hadn’t yet collected enough rental income, her debt-to-income ratio was too high. Working closely with our in-house underwriter, we were able to use the renovation invoices to lower her debt, show positive cash flow and qualify her for the loan. She didn’t have to touch her equity line for the down payment and is now happily working on her newest renovation project.
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★#LendUSWins
Advance Approval® not only helped me beat out several other offers, but it let me close in only nine days
A client came to us wanting to stop paying rent, plant roots in his community and buy his first home. We laid out a game plan that included Advance Approval®, our program for full underwriting pre-approval that allows buyers to close quickly. After a month of searching, he found the home he wanted but was up against two challenges. First, it was priced close to the FHA county limit so to get the loan, he needed a 10% down payment. Fortunately, his brother stepped up and helped him with a gift. But he was also up against several other offers. So we called the listing agent to explain how, with Advance Approval®, we could close in as little as 21 days. That did the trick. Our client’s offer was accepted and our in-house underwriting team jumped through every hoop imaginable to close in only nine days!
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★#LendUSWins
We had been under contract with a new home builder for three months when we got a call that completely blindsided us
When our clients called us for a second opinion, we learned that they were a month away from moving their family across the state and into a newly built home. They had been pre-approved by the builder’s preferred lender months earlier and, without indication of a potential issue, their loan was denied without explanation. Once we started looking into it we were able to identify the problem, but recognized that the family had several alternative options. They decided that getting a co-signer on the loan would work best for them, so we moved forward and were able to close the deal as scheduled. Between the stress of moving and starting their three daughters in a new school, our clients were relieved to still be able to move in to their home on time.
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★#LendUSWins
Thank you for finding a way for me and my daughter to stay in our home after my divorce.
A client was referred to us by her attorney because she was going through a lengthy divorce with many moving parts. The court had given her 90 days to either sell her family home or refinance and remove her husband from the loan. Knowing she had nowhere to go if she were to sell, her only option was to do a cash-out refi. But she was a stay-at-home mom and hadn’t been receiving alimony long enough to use it as income to qualify. With only days to spare, we found that by adding a non-occupant co-borrower and using the last six months of mortgage payments for the home to boost her income, we could get her qualified. In the end, our client was able to satisfy the court, pay off some high interest debt and, most importantly, stay in her home.
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★#LendUSWins
We were grateful for your expertise when a single missing document nearly cost us the purchase of our dream fixer-upper.
Our clients found a perfect HUD-owned property in need of repair and planned to use an FHA 203k loan to cover their mortgage and the cost of renovations. But, once we started digging into the home’s history, we learned that the previous owner had not received a certificate of occupancy, a requirement for our clients to be able to use the loan they wanted. They needed to either choose a different type of loan that didn’t work as well for them, or walk away from the deal. We got our in-house team of experts involved and negotiated a certification that replaced the certificate of occupancy. The city and FHA approved – giving our clients the green light. They got the home and are now busy getting it ready to move in.
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Steve Kelly
skelly@lend.us - Emailhttps://www.lend.us/skelly - Web978.739.9599 x2145 - Phone978.852.9208 - Mobile
10 Elm Street
Danvers, MA 01923