Saves You Time
Because she shows up where you want when you want.
Saves You Money
Michelle has access to over 40 lenders who will compete for your mortgage.
Offers Unbiased Advice
Michelle works for you, not the banks.
Complimentary & Obligation Free Service
That’s right there is no cost to you.
Professional, Trustworthy, Dedicated, Experienced
Thank you for visiting my site. If you are here it’s most likely because one of my past clients recommended you contact me – I am fortunate to have most of my business come through past referrals which I am proud to say is due to my work ethic, this same work ethic that I hope to soon be putting to work for you.
Let me tell you a little about myself, I fell in love with real estate in the late 90’s and after a short tenure as a realtor I moved over to the other side of real estate (financing it) as a mortgage broker. I absolutely love what I do, there is nothing more rewarding than helping clients become homeowners and build up their real estate portfolio. I pride myself in being able to get the most amazing deals on not only mortgage rates but also on the complete mortgage product (paying attention to the fine print in your mortgage is the part that can save you thousands of dollars and that’s where my expertise really kick in). I am looking forward to working for you.
- Over a decade of industry experience
- Relationships with over 40 lenders
- Working for your best interest
- Complimentary no fee service
What Our Customers Are Saying
”Michelle Kelly provided a crash course in all things mortgage, answered every obscure question I had and found me a rate well, well below what my colleagues had found with their banks. I was so lucky to have found Michelle, and have had two of my more mortgage-savvy colleagues switch over to her as their broker. I cannot speak highly enough of her work ethic, and care and concern she provides her clients”Megan Bulloch – Professor – Quest University
“When our own bank of 10 years turned us down on our mortgage application I decided to call Michelle just to double check on our qualifications. Not only did Michelle come back to us with a quick approval, she also got us a fantastic rate.
I have now used Michelle on several occasions to purchase investment properties, I highly recommend her services.”
First Time Home Buyer
My passion is working with first time homebuyers. As a first time home buyer you are excited about your options and want to get the very best deal available, but it can seem overwhelming and daunting. My objective is to make the whole experience one that you will look back on with pleasure rather than stress. Remember I am here to save you save you time and money – and there is no cost to you for my services. Here is what some of my other first time home buyers are saying.
”Michelle Kelly provided a crash course in all things mortgage, answered every obscure question I had and found me a rate well, well below what my colleagues had found with their banks. I was so lucky to have found Michelle, and have had two of my more mortgage-savvy colleagues switch over to her as their broker. I cannot speak highly enough of her work ethic, and care and concern she provides her clients”Megan Bulloch
Renewing or Transferring
My best piece of advice to you is simply – Don’t sign your renewal until we speak!
So many people make this mistake and pay the price for it. If your mortgage is up for renewal, it’s a great time to consider the options available out to you. This could be an ideal time to leveridge the equity in your home and perhaps pay down debts, or use some equity to renovate or invest in other properties.
Let’s have a conversation before you renew –some of the benefits include:
- Better interest rates and mortgage flexibility
- Consolidate debt
- Restructure your mortgage for better payment options
- Restructure your mortgage to pay it down faster
- Get over 40 lenders competing for your mortgage
- No cost to switch lenders
Michelle, thank you so much for your insight and having me look at other offers before signing an auto renewal from my bank. Your advice was bang on, I feel like finally I have my mortgage and my debts in a manageable space for the first time in years. I can’t thank you enough.Lauren E.
You need a road map to truly know how to reach your destination in the fastest and most efficient way possible – think of your pre-approval as the roadmap. A pre-approval is a quick and simple process to give you the insight on how much you can qualify for and how to make your purchasing dreams a reality.
So this isn’t your first time around the block, as a second or third time investor sometimes we feel like we know the ropes – but believe me with this ever changing mortgage market you need to ensure you are kept up to date so that you can make the right decisions. My job all day every day is to keep abreast of these changes.
Join my client list and I will keep you up to date with new mortgage news and other offers.
There are many reasons why you might want to refinance, or increase, your existing mortgage. When refinancing it is critical that you ask yourself what the next few years of your life plan might be. We will examine your current and future goals
Are you looking to do any of the following:
- Renovate your current home
- Invest in other real estate
- Consolidate other debts
- Help a dependent with tuition fees
- Assist a child with a mortgage down payment
This is the ideal time to consider what you want from your refinance, with your free no obligation mortgage review I can assist you to consider the many options available to you.
Does having no mortgage payments sound to good to be true – well, it can be true with a reverse mortgage. A reverse mortgage is a way for homeowners 55 or older to turn up to 55% of the value of the home into TAX FREE cash. It’s a loan secured against the value of the home, but unlike a traditional home equity line of credit or a conventional mortgage it does not require any monthly mortgage payments for as long as you live in your home. With a CHIP Reverse Mortgage, you always maintain ownership and control of your home. Call today to find out if a reverse mortgage is right for you.
As well as the standard mortgage products that I offer I also offer many other services such as :
- Private Financing
- Construction Financing
- Commercial Financing
- Line of Credit