KellumMortgage

KellumMortgage We are a privately owned and operated boutique mortgage company, with team members that value honesty, and service. Kellum
NMLS *1267030

I have been in the mortgage industry for 30 years. This gives me a unique advantage of the entire process and what it takes to close. Kellum Mortgage, LLC
NMLS #2032812

Anthony O.

Property is Power!On August 25, 2026, seven federal agencies withdrew their 2022 guidance supporting Special Purpose Cre...
09/03/2026

Property is Power!

On August 25, 2026, seven federal agencies withdrew their 2022 guidance supporting Special Purpose Credit Programs commonly known as SPCPs. While the term may sound technical, the consequences are deeply personal for communities still struggling to close the homeownership gap.

SPCPs are legally structured lending programs designed to help people who have historically faced barriers within the traditional credit system. They are not grants, giveaways, or substitutes for financial responsibility. Borrowers must still qualify and demonstrate the ability to repay their loans.

Depending on their design, these programs may provide down-payment or closing-cost assistance, reduced rates and fees, flexible underwriting, homebuyer counseling, or credit support in historically underserved communities.

With the withdrawal of this guidance, lenders now face greater legal uncertainty when creating programs that directly address racial disparities in homeownership.

Supporters of the change argue that lending decisions should be race-neutral. On the surface, that sounds fair.

But there is a difference between equal treatment and equitable access.

A race-neutral rule applied to a market shaped by generations of racial exclusion does not necessarily produce a race-neutral result. If two runners are told the rules are now equal, but one was held back for most of the race, removing the restraint does not erase the distance already created.

We should not pretend that indirect alternatives are always equal to directly confronting the homeownership gap. Equality without historical context can preserve the very disparities it claims to ignore.

A system cannot produce unequal outcomes for generations, declare itself neutral, and then treat every effort to repair those outcomes as another form of discrimination.

Property is Power!Renting is often framed as a neutral housing choice and sometimes even the safer one. But in an econom...
08/29/2026

Property is Power!

Renting is often framed as a neutral housing choice and sometimes even the safer one. But in an economy that rewards ownership, renting has long-term economic consequences.

Homeownership remains one of the most powerful ways families transfer wealth across generations not necessarily massive fortunes but momentum.

Without assets, the next generation often inherits the responsibility to start over rather than the advantage of building on what came before.

That’s how inequality can reproduce itself quietly not because of a lack of hard work, ambition, or intelligence, but because of the absence of ownership.

This isn’t an argument against renting. Renting can absolutely make sense depending on someone’s financial situation, lifestyle, or long-term goals. Rather, it’s a challenge to the idea that permanent non- homeowners should simply be accepted as the norm.

www.kelluMortgage.com

Property is Power!For generations, we’ve been taught that homeownership begins with money.Save enough for a down payment...
08/23/2026

Property is Power!

For generations, we’ve been taught that homeownership begins with money.
Save enough for a down payment.

Improve your credit score.
Find the right lender.
Close the deal.

Those are all important steps but they are not the first step.
The first investment every aspiring homeowner should make is in financial literacy.

Knowledge is the foundation upon which wealth is built. Without it, income is often consumed instead of invested. Credit is misunderstood instead of managed. Opportunities are missed simply because we were never taught how to recognize them.

The gap between those who own assets and those who do not is not always just a gap in income. Often, it is a gap in information.

Financial literacy changes behavior because it changes perspective. When people understand credit, leverage, equity, appreciation, and the power of ownership, they begin to see money and opportunity differently.

That is why homeownership education should never begin when someone is ready to buy a house. By then, we are already late.

It should begin years earlier in our schools, churches, community organizations, and most importantly, around our own kitchen tables.

If we want to build stronger families, stronger communities, and generational wealth, we must teach the principles of ownership long before the closing table.

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Property is Power!Ownership determines who begins each generation with options instead of obligations.That is why real e...
08/16/2026

Property is Power!

Ownership determines who begins each generation with options instead of obligations.

That is why real estate should never be viewed merely as shelter. Ownership is one of the few economic activities that can strengthen both the individual and the surrounding community. It creates equity, leverage, stability, and ultimately, generational wealth.

Political administrations will change, economic cycles will rise and fall, interest rates will increase and decrease markets will experience uncertainty.

But ownership has a way of surviving the headlines.

Ownership expands across a community, the impact becomes collective stronger families, stronger neighborhoods, greater economic participation, and more capital circulating from one generation to the next.

www.kelluMortgage.com

Property is Power!America says it believes in homeownership.We call it the American Dream. We celebrate it as the founda...
06/26/2026

Property is Power!

America says it believes in homeownership.

We call it the American Dream. We celebrate it as the foundation of strong families, stable communities, economic opportunity, and generational wealth.

But if homeownership is truly that important, why is housing policy so often treated as a political bargaining chip?

The 21st Century ROAD to Housing Act is one of the most significant bipartisan housing affordability efforts in years.

What makes this legislation noteworthy is not just what's in it, but the fact that leaders from both sides of the aisle found common ground on an issue that affects millions of Americans. In today's political climate, that alone is worth recognizing.

As we debate housing policy, we should remember that the goal is simply to create more homeowners.

Because when more families own homes, communities become stronger, local economies grow, and the promise of the American Dream becomes more attainable for future generations.

Homeownership should never be a bargaining chip.

It should be a national priority.

Property is Power!Homeownership has never been just about having a place to live, it is one of the most effective ways f...
06/13/2026

Property is Power!

Homeownership has never been just about having a place to live, it is one of the most effective ways families transfer opportunity from one generation to the next. It is not necessarily about massive fortunes or instant wealth, but about creating momentum.

A home creates options, builds equity, and provides a foundation from which children can move forward, rather than a starting line they must cross again and again. Conversely, when property is absent, families often pass down responsibility instead of advantage, requiring the next generation to rebuild what ownership could have preserved.

While renting can be a strategic choice at various stages of life, it is important to view it as a temporary step rather than a permanent condition. This is especially true for communities whose exclusion from ownership was historically intentional. Ultimately, ownership converts hard work into something that can endure. In a society that consistently rewards those who own, the greatest risk is remaining permanently outside of the ownership class.

www.kellumortgage.com

Homeownership Education Must Begin at HomeThere was a time when children learned the meaning of ownership long before th...
06/06/2026

Homeownership Education Must Begin at Home

There was a time when children learned the meaning of ownership long before they became adults. They learned it while cutting grass on a Saturday morning. They learned it while helping their parents paint a fence, rake leaves, repair a porch, or carry garbage cans back from the curb. These seemingly ordinary tasks were never really about yard work. They were lessons in stewardship, responsibility, and community.

Property ownership teaches a fundamental truth our actions affect others.

When one homeowner maintains their property, the entire block benefits. When a family repairs its roof, trims its landscaping, paints its exterior, and protects its investment, neighboring property values are strengthened. The deterioration of one home can contribute to the decline of an entire block. This is why neighborhoods are called neighborhoods the word itself implies interconnectedness. The health of one property contributes to the health of the community.

Property is Power!

www.kellumortgage.com

Homeownership changes the equation.It introduces control where there was once uncertainty. It replaces temporary occupan...
06/01/2026

Homeownership changes the equation.

It introduces control where there was once uncertainty. It replaces temporary occupancy with a permanent stake in the future. It transforms individuals and families from participants in the economy into decision-makers with a vested interest in its growth.

Over time, ownership does more than improve personal circumstances it shapes collective outcomes. It creates stability, builds wealth, strengthens communities, and opens doors for future generations.

Whether it's a home, or an investment property, ownership isn't just about what you possess. It's about the ability to influence your future rather than simply react to it.

Property is Power! www.kelluMortgage.com

05/22/2026

Raw, unfiltered wisdom from Dr. Anthony Kellum on the reality of paying it forward. The path to success often involves extending trust and giving someone a genuine opportunity, even when they talk a big game. A candid reflection on accepting the occasional disappointment because, as he shares, he's only standing where he is today because someone extended that same chance to him. A vital perspective on mentorship, risk, and the human dynamic at the core of building wealth and community.

05/20/2026

This segment unpacks a vital philosophy: real estate investment is the engine for tangible community good. Discover the core mission behind the 'Properties Power Platform'—educating investors not just on wealth potential, but on becoming true stewards who save neighborhoods and support better schools. Homeownership is presented as a necessary, viable foundation, particularly for securing the future of the African-American community. Hear the expert perspective on leveraging tools like DSCR loans and property rehabilitation strategies to transform even the most distressed areas. This is strategy meeting impact.

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Detroit, MI

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Monday 8:30am - 7pm
Tuesday 8:30am - 7pm
Wednesday 8:30am - 7pm
Thursday 8:30am - 7pm
Friday 8:30am - 7pm
Saturday 9:30am - 3am

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