Tim K Kelly, NMLS #376030

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.

04/17/2026

5.0 star review received on Experience.com for Tim K. Kelly by McKenzie B - Tim was extremely responsive and him and his team are very knowledgable! I felt taking care of and knew I could trust them through this QUICK process.

Click to see all 206 reviews of Tim Kelly, Sr. Loan Officer at Atlantic Coast Mortgage, Sr. Loan Officer | NMLS ID #376030

04/14/2026

4.83 star review received on Experience.com for Tim K. Kelly by Marjorie V - Eeverything was explained very wellsince the very beginning. Tim was always transparent with us and also looking for ways to help us the most, and as first time home owners that was really valuable. He was also available to talk to us or answer questions pretty much at all times and I appreciated the level of good communication we had. I also really liked his weekly updates and voicenotes that explained exactly what was going on, which was a great addition to the paper format or online update as well. We also had a lot of hiccups along the way and Tim and his team was great at adjusting and adapting to new circumstances. Thank you, Tim!

Click to see all 204 reviews of Tim Kelly, Sr. Loan Officer at Atlantic Coast Mortgage, Sr. Loan Officer | NMLS ID #376030

04/07/2026

5.0 star review received on Experience.com for Tim K. Kelly by Crystal B - Tim was very communicative, we appreciated how he kept us updated on each step and was very quick to respond to any questionswe questions we had about the process.

Click to see all 203 reviews of Tim Kelly, Sr. Loan Officer at Atlantic Coast Mortgage, Sr. Loan Officer | NMLS ID #376030

04/03/2026

03/24/2026

4.66 star review received on Experience.com for Tim Kelly, Sr. Loan Officer at Atlantic Coast Mortgage by Jennifer S - Tim was responsive and helpful with explaining our options

Click to see all 201 reviews of Tim Kelly, Sr. Loan Officer at Atlantic Coast Mortgage, Sr. Loan Officer

03/21/2026

I just got off a 30 min call with a client using VA financing who kept running into the same problem:

multiple offers
strong buyers
tough competition

She started wondering… “is it my loan.”

The answer is no.

VA financing is one of the strongest loan options available. But in a competitive market you need the right strategy behind it.

In the is video I share a few of the strategies we discussed that she can use to compete and win.

Because my job isn’t just to approve the loan. It’s to help you get the house.

If you or someone you know is struggling with VA financing maybe we can help.

Send a message. Happy to talk through your situation.