Zach Kelsey - NMLS #618786

08/19/2026

Home is more than four walls and an interest rate. It is where the good stuff happens. ❤️

If a new home is part of what is next for you, I am always happy to answer questions, talk through options, and help you figure out the best way to get there.

No pressure. No sales pitch. Just here when you need me. 🏡



All credit products subject to approval | Member FDIC | Equal Housing Lender | Institution NMLS #402963 | Zach Kelsey NMLS #618786

08/15/2026

Good music. Great company. Strong relationships.

08/10/2026

I don't post every closing, but first-time homebuyers are always worth celebrating.

There's something pretty awesome about watching someone go from wondering if they can buy a home…to standing in front of one they actually own.

Days like this are a good reminder why I love what I do. Congratulations to another family on their new home—I can't wait to see the memories they make there. 🏡



All credit products subject to approval | Member FDIC | Equal Housing Lender | Institution NMLS #402963 | Zach Kelsey NMLS #618786

08/07/2026

If building a home has been on your mind, now's a great time to start asking questions. 🏡

Whether you're still sketching ideas on a napkin or already have blueprints in hand, I'd be happy to help you understand your financing options and walk you through the construction loan process. No pressure—just honest answers to help you decide what's best for you.

If you've been wondering where to start, let's chat.



All credit products subject to approval | Member FDIC | Equal Housing Lender | Institution NMLS #402963 | Zach Kelsey NMLS #618786

08/05/2026

We all wear different hats.

Mine just happens to be helping families buy homes.

But when the workday ends, I'm a dad, a husband, a Lions fan, a concert buddy, a Disney snack enthusiast, and a proud nerd who still gets excited meeting superheroes.

Those moments don't take away from what I do—they're exactly what make me better at it.

Thanks for following along, whether you're here for mortgage advice or just to see what adventure comes next.

All credit products subject to approval | Member FDIC | Equal Housing Lender | Institution NMLS #402963 | Zach Kelsey NMLS #618786

07/29/2026

Questions about buying? Selling? Refinancing? Wondering if now is even the right time?

I'm always happy to talk through your options—no pressure, no sales pitch, just honest answers to help you make the best decision for you.

Shoot me a message, give me a call, or stop by. I'm here to help.



All credit products subject to approval | Member FDIC | Equal Housing Lender | Institution NMLS #402963 | Zach Kelsey NMLS #618786

07/18/2026

Proud to Serve Those Who’ve Served 🇺🇸. VA Loans offer an excellent opportunity for eligible veterans, active-duty service members, and surviving spouses to achieve homeownership with flexible options and valuable benefits. We’re honored to support those who have served.



All loans subject to credit approval | Member FDIC | Equal Housing Lender | NMLS #402963 |Zachary Kelsey NMLS #618786

07/15/2026

Most days you'll find me right here at my desk...drinking too much Red Bull, staring at interest rates, and trying to help people figure out this whole homeownership thing. 🏡

Whether you're thinking about buying your first home, your fifth home, refinancing, or you're just wondering if that thing your neighbor told you is actually true...I'm always happy to answer questions.

No sales pitch. No pressure. Just someone who enjoys talking mortgages more than most people probably should.



All credit products subject to approval | Member FDIC | Equal Housing Lender | Institution NMLS #402963 | Zach Kelsey NMLS #618786

07/06/2026

If you've been thinking about buying a home, don't assume you can't. Qualified buyers may be able to get an interest rate up to 1.5% below current market rates.

Shoot me a message or give me a call. I'll let you know if you qualify. No pressure.



All credit products subject to approval | Member FDIC | Equal Housing Lender | Institution NMLS #402963 | Zach Kelsey NMLS #618786 Private mortgage insurance is typically required for loans with greater than 80% loan-to-value ratio. 1The Mortgage Rate Relief interest rate offered by FHLB Des Moines will be up to 1.5% below prevailing market rates at any given time. 5.125% interest rate (5.275% Annual Percentage Rate (APR)) valid as of 07/06/2026. Rate subject to change without notice. Mortgage Rate Relief funds are restricted to a primary residence, 1-4 family dwellings, and conforming conventional loans. 2Eligible households include those with income at or below 80% of the area FHFA median income. Eligible income is based on all adult owners/occupants. 3APR of 5.275% based on a $240,000 loan with a 10% down payment and 360 monthly payments of $1,306.77. 4Borrower will need to meet the requirements of any grant programs in addition to the Mortgage Rate Relief requirements. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums and your payment obligation will be greater.

07/05/2026