Tim K Kelly, NMLS #376030

Tim K Kelly, NMLS #376030 Tim K Kelly, Loan Consultant, NMLS #376030 Tim Kelly | Sr.

Loan Officer | NMLS #376030

www.ApplyWithTimKelly.com

With nearly twenty years dedicated to the mortgage industry, Tim has guided countless individuals and families toward realizing their homeownership dreams. Tim’s mission extends beyond the transactional; he treats each borrower as his #1 priority, which is evident in his stellar reputation, with most of his clientele coming through personal referrals. His personalized approach begins with a thorough understanding of each client’s financial landscape, enabling him to recommend programs that not only meet immediate needs but also pave the way for long-term financial and homeownership goals. Whether assisting first-time buyers or seasoned investors, Tim’s expertise ensures tailored mortgage solutions for every unique scenario. Committed to fostering lifelong relationships, Tim is poised to be your trusted mortgage advisor indefinitely.

09/03/2026

Here’s what I bet you didn’t know👇

If you’re a homeowner with student loan debt, a conventional cash-out refinance may offer a way to use your home’s equity to pay off one or more student loans in full.

Most cash-out refinances come with added costs based on your credit score or how you use the funds- but when this refinance is used to pay off student loans fully, some of those costs may be waived!

Program Highlights
▪️Maximum 80% loan-to-value (LTV) ratio
▪️Student loan(s) must be paid in full at closing-no partial payments
▪️Proceeds must go directly to the student loan servicer
▪️Borrower must be obligated on the student loan(s) being paid off

Follow for more tips like this.

Curious if this could be a fit for you?
Let’s connect and explore your options

Want me to dive deeper into debt consolidation strategies and other ways to make things more affordable on your way to getting into your forever home? Let me know in the comments.

09/01/2026

SAVE THIS CALL SCRIPT ⬇️

If you’re worried about making your mortgage payment don’t wait until your several payments behind to ask for help.

Your first call should be to your mortgage servicer the company you send your mortgage payment to each month.

Not sure what to say?

Save this script 👇
📞 “Hi my name is [YOUR NAME]. I’m calling about the mortgage on my house at [PROPERTY ADDRESS].

I’m currently [CURRENT ON MY PAYMENTS / _ DAYS OR PAYMENTS BEHIND], but I’m having financial hardship because [BRIEFLY EXPLAIN WHAT CHANGED: JOB LOSS, REDUCED INCOME, MEDICAL EXPENSES, DIVORCE, ETC.]

I expect this situation to be [TEMPORARY / LONGER TERM / I’M NOT SURE WHEN].

I want to understand what mortgage assistance or lost mitigation options may be available to me so I can [STAY CURRENT / GET CAUGHT UP / REMAIN IN MY HOME]

Can you walk me through the options I may qualify to apply for and what information or documents you need from me?”

‼️Check comments for what follow up questions to ask next.‼️

And before you hang up write down:
Representative:
Department:
Date/time:
Reference/case number:
Next step:
Deadline:

⚠️A few few important things:
Mortgage assistance is not one size fits all. Your available options depend on your loan servicer and individual circumstances.

Forbearance generally does not erase the payments you don’t make. Make sure you understand exactly how many missed or reduced payments will eventually be handled.

And don’t pay some random company promising it can “save your home.” Free help is also available through HUD approved housing counselors.

If you’re calling your services, use the phone number on your mortgage statement or the servicer’s official website. Not a number from an unsolicited text, email, or phone call.

Save this even if you don’t need it today.

And please send it privately to a homeowner who might need it.

I’m covering 3 other places to look when your mortgage payment is becoming harder to afford, so follow for the rest.

08/27/2026

Here’s what I bet you didn’t know👇

If you’re a homeowner with student loan debt, a conventional cash-out refinance may offer a way to use your home’s equity to pay off one or more student loans in full.

Most cash-out refinances come with added costs based on your credit score or how you use the funds- but when this refinance is used to pay off student loans fully, some of those costs may be waived!

Program Highlights
▪️Maximum 80% loan-to-value (LTV) ratio
▪️Student loan(s) must be paid in full at closing-no partial payments
▪️Proceeds must go directly to the student loan servicer
▪️Borrower must be obligated on the student loan(s) being paid off

Follow for more tips like this.

Curious if this could be a fit for you?
Let’s connect and explore your options today!

07/16/2026

How far are we from a “normal” housing market?

According to ICE Mortgage Technology, one of these three things would need to happen:

• Incomes rise 19%
• Home prices fall 16%
• Mortgage rates fall from 6.59% to 4.99%

That does not mean any one of these will happen.

It shows how far housing affordability still needs to improve.

The most likely answer is not one major change. It is a combination of rising incomes, slower home-price growth and eventually lower rates.

Save this before someone tells you one rate cut will fix the housing market.

07/14/2026

The couch must get cleaned but first I needed to tell you about these 3 agents in Northern Virginia.

If you send me a DM or comment below with the name of city where you’re looking to buy, I’ll give you the name of a Realtor that I personally know crushing it in that market. No strings attached.

Thanks for watching.

Also do me another favor and follow me.
I’m trying to get to 500 followers on this account before end of summer.

🙏

Down payment assistance can be a game changer for DMV homebuyers.But not every program is truly “free money.”Some are gr...
05/16/2026

Down payment assistance can be a game changer for DMV homebuyers.

But not every program is truly “free money.”

Some are grants.
Some are forgivable loans.
Some are deferred loans.
Some are second mortgages.
And some come with rules that can affect your rate, timeline, offer strength, or future flexibility.

That does not mean buyers should avoid these programs.

It means buyers need to understand them before relying on them.

The goal is not just to find money.

The goal is to use the right mortgage strategy.

I broke this down in more detail in my latest YouTube video:

“Down Payment Assistance in the DMV: Free Money or Fine Print?”

Watch it on my YouTube channel: The Mortgage Scene

05/01/2026

Update on this story: the couple actually found a place and he ate his entire breakfast.

04/29/2026

My son wasn’t impressed with the breakfast I made before school… but the blended family we just pre-approved for a bridge loan?

They were pretty excited about their next move.

04/21/2026

Real estate, rates, and ham & cheese sandwiches 🥪 Welcome to my morning routine.

Here are two things I learned from this open house.

Address

Fairfax, VA

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Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 12pm

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