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Kellyn Bowden - Mortgage Lender - NMLS #1770179

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United States
Athens, GA
Kellyn Bowden - Mortgage Lender - NMLS #1770179

A love of people, business and finance is the reason why I strive to do my best, every day! Every client is unique, with different needs and questions.

By listening to your needs and desires I put my emphasis on coming up with the best solution for you! Mortgage Loan Officer

08/06/2026

Still waiting on Netflix to release the documentary proving mortgage lenders don’t control interest rates… 🍿😂

I wish it was that easy!

RealEstate GeorgiaRealEstate GeorgiaHomes HomeBuyer FirstTimeHomeBuyer

07/28/2026

Some of your buyers may qualify for a zero down loan today even if they did not qualify just a few weeks ago. And this is worth paying attention to right now.

USDA recently announced updated income limits for its Single Family Guaranteed Loan Program with the new limits taking effect on July 13, 2026. In many parts of the country this means more households may now qualify for USDA financing, which offers 100 percent financing with no down payment required for eligible buyers.

This is not a minor adjustment. If you have had buyers sitting on the sidelines because they were just over the income limit before July 13th it is absolutely worth taking another look at their situation right now.

Here is the important detail to keep in mind. USDA income limits are based on the property's county and household size so the exact qualifying thresholds vary depending on where your client is buying. A buyer who did not qualify in one county may qualify in a neighboring one. And a buyer who was just over the limit before the update may now be comfortably under it.

Zero down payment. No private mortgage insurance structured like conventional PMI. Competitive rates. USDA financing is one of the most powerful tools available for buyers purchasing in eligible areas and the updated income limits just expanded who can access it.

If you have a client you are not sure about reach out and I will run the numbers to see if they qualify. No pressure and no obligation.

07/08/2026

There are some big national housing headlines worth paying attention to right now and I want to break them down clearly so you know what they actually mean for buyers and sellers in today's market.

Mortgage rates are still being impacted by inflation concerns and global events, especially with ongoing conflict overseas creating uncertainty. But the good news is that rates have been more stable recently and that stability gives buyers a significantly better chance to plan, budget, and move forward with confidence.

We are also seeing positive housing policy updates including FHA changes designed to reduce costs and make financing more efficient for buyers who use government-backed loan programs. That is a real and tangible improvement in the affordability picture for a meaningful segment of buyers.

And on the seller side something important is shifting. Sellers are starting to become more realistic about pricing, which could create genuine opportunities for buyers who paused earlier this year and have been waiting for conditions to improve.

So if you have clients sitting on the sidelines right now this may be exactly the right time to reconnect, revisit their numbers, and see what options are available to them in today's environment.

Reach out and let's talk through what this means for your specific situation.

07/07/2026

Another set of happy homeowners is officially HOME! 🏡❤️

Time to celebrate an exciting new chapter as these wonderful clients trade the Bluegrass State for the Peach State. 🍑Welcome to Georgia, we’re so glad you’re here!

A huge thank you to Laura Wilfong for your incredible work, communication, and teamwork throughout this entire process. 🙌🏼

Congratulations on the new home and your new adventure. Thank you for trusting me to help with your financing, it was truly an honor.

Now it’s time to settle in…

GO DAWGS! 🐶❤️🖤

Kellyn Bowden | NMLS #1770179

📱 706-612-0011
📧 [email protected]
🔗 kellynithomeloans.com

06/30/2026

🎉 Double Closing Day! 🏡🏡

What a great day celebrating two very different, but equally exciting, homeownership journeys!

🏖️ One closing takes us to St. Simons, where a family that is very close to my heart is starting a new chapter in a home they’ll fill with memories for years to come. I couldn’t be happier for them!

🔑 The second is especially inspiring—a recent college graduate who chose to invest in his future by purchasing his first home instead of waiting. Building equity and long-term wealth through homeownership is such a smart way to start this next season of life, and I’m honored to have been part of it.

Congratulations to both of these amazing homeowners! Thank you for trusting me with one of the biggest financial decisions you’ll ever make. That trust is something I never take lightly, and it’s a privilege to help make these dreams a reality.

If you’re wondering what your financing options look like, let’s talk! Whether you’re buying your first home, your forever home, or an investment property, I’d love to help you create a plan.

📞 Kellyn Bowden
📱 706-612-0011
📧 [email protected]
🌐 www.kellynithomeloans.com

06/29/2026

🏡 HOME SWEET HOME! 🏡

There’s nothing quite like helping first-time homebuyers achieve their dream of homeownership. After months of hard work, dedication, and perseverance, this incredible family are officially homeowners! Their very first home is where they’ll build a lifetime of memories with their children, and I couldn’t be happier for them. ❤️

It truly took a team effort to get this one to the closing table, and seeing the tears of joy made every hurdle worth it. 🎉

A huge thank you to Erika Murphy for going above and beyond every step of the way, and to Zach Dorminey with Goosehead Insurance for providing excellent coverage at an incredible price. 🔥

Ready to make your home dreams come true? I’d love to help you make it happen!

Kellyn Bowden - NMLS #1770179
📱 706-612-0011
📧 [email protected]
🌐 www.kellynithomeloans.com

06/25/2026

Let me know if you want to see my estate sale finds tomorrow! 😍

thrifting

06/18/2026

🏡✨ DOUBLE CLOSING DAY! ✨🏡

Two closings. Two happy families. One very grateful lender. 🙌

🔑 Closing #1:
Congratulations to these new homeowners on their beautiful new construction home in Winder! They scored an incredible deal on a gorgeous home, and I couldn’t be happier for them as they start this next chapter.

A huge shoutout to Ashleigh Baker for her rockstar work helping her clients find the perfect home and negotiate an amazing deal. 🤩 Working with great and knowledgeable agents makes all the difference!

🎓 Closing #2:
Welcome to Athens! This condo purchase is the perfect fit for a new University of Georgia student, and I’m excited for all the memories ahead.

Thank you to Kristy Lonsford for her excellent communication, teamwork, and dedication throughout the process. Together, we were able to help these buyers secure a great deal and a smooth closing experience.

Days like today are a reminder of why I love what I do. Helping people achieve their homeownership goals never gets old. ❤️

06/17/2026

When you choose chaos instead of compliance. 😆🏡💰

06/16/2026

Inflation just hit a three-year high and your clients are going to see that headline and feel nervous. Here is the good news you get to share with them right now.

Yes, the top number came in at 4.2 percent. That sounds alarming on its own. But the real story underneath that headline is significantly calmer than it appears. More than 60 percent of that increase came from one place: energy and gas prices. Strip those out and look at core inflation, the number the Federal Reserve watches most closely, and it rose just 2.9 percent for the year, which actually came in softer than experts were expecting. That is a very different picture from the headline number.

That is exactly why the Fed is widely expected to hold rates steady at next week's meeting. The underlying data does not support an emergency response and the Fed knows the difference between headline noise and structural inflation.

When a client brings you that scary headline, you now get to be the calm and trusted voice who walks them through what is actually happening behind the number. That is exactly the kind of guidance that turns a nervous buyer into a confident one who is ready to make a smart decision rather than freeze in place.

The headline was loud. The underlying data was not. Follow me for more on what the headlines actually mean for housing and mortgage rates.

Address

Athens, GA

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

https://kellynithomeloans.com/

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