Kelly has been involved in real estate loan origination, management, & consulting as both a banker and broker for the past 31 years. He has held a California real estate license since 1991 in addition to a mortgage loan originator license. Kelly has closed thousands of loans and offers expertise in property analysis and financial structuring. Pro Mortgage is a boutique firm offering wholesale rates and programs that beat the big banks. This allows him to serve his local community, offer the service his clients have come to expect and the ability to lend throughout California.
Kelly was born and raised in Santa Rosa, CA and lived there all his life other than attending San Diego State in the 80’s and living in Portland, OR from 1994 to 2000 where he owned and operated a mortgage brokerage. He moved back to Santa Rosa with his wife of 28 years to be close to family and raise their two children.
Over the past 31 years Kelly has enjoyed helping his clients with one of the biggest financial decisions one has to make. He understands this major responsibility and holds himself to a high standard of care and integrity in serving his clients. He has a proficiency in finance and math with a high degree of accuracy and the ability to analyze personal and corporate tax returns, exceptional problem-solving skills and proficient in all FHA, VA, FNMA, Freddie Mac and portfolio lending programs. He has a thorough knowledge of underwriting, regulatory and compliance issues affecting all aspects of the lending process that allows him to guide his clients through a purchase or refinance of their property.
As a broker, Kelly works for you not the bank, with access to numerous investors that compete for his business he can analyze the best rates and programs that fit his client’s needs.