Kel Cotto, NMLS 1867051 - Mortgage Investors Group - Sr.Loan Officer

Home
United States
Knoxville, TN
Kel Cotto, NMLS 1867051 - Mortgage Investors Group - Sr.Loan Officer

NMLS #1867051. MIG NMLS #34391. Equal Housing Opportunity Lender. That's how we've become leaders in the local mortgage lending market.
(1)

www.nmlsconsumeraccess.org

Mortgage Loan Officer helping home buyers in Tennessee, Kentucky, Alabama, Georgia, North Carolina, South Carolina, Florida, and Virginia. Mortgage Investors Group is committed to helping families in the Southeast fulfill their dreams of homeownership. Whether you're a first-time homebuyer seeking a conventional mortgage or a homeowner interested in refinancing through a government program, we are here to help you find the mortgage program that best fits your individual situation. MIG offers competitive loan rates and a large selection of loan programs, including Conventional, FHA, THDA, VA and USDA. We use on-site Underwriting, Processing and Appraisal services and in-house technology to ensure a swift and professional lending experience. As a licensed Loan Officer, I have the expertise to advise you through the process, answer any questions you may have and help you close on time. You can rest assured that you will receive superior customer service when you work with me and MIG. I look forward to assisting you with your current or future mortgage loan needs. We hope to hear from you soon. NMLS #1867051, TN #1867051, AL #83156, FL , GA #1867051, KY , NC -212497, SC -1867051, VA -69429VA. MIG NMLS #34391, Equal Housing Opportunity.

09/17/2026

"
If you or someone you know is considering a VA Loan, I'm here to help. Let's connect and get all your questions answered today. It's an opportunity you don't want to miss!"
https://myoc.io/keltheloanlady

09/16/2026

Is the constant stream of real estate news making you want to put your home plans on hold? You are certainly not alone in feeling that way. It is easy to get overwhelmed by headlines, but buying a home should always fit your actual lifestyle budget. Getting pre-approved is really about finding a comfortable monthly payment so you can still enjoy your life and afford your daily expenses. If you already own a home, using your equity to tackle repairs or pay down debt might also be a smart path. You do not need to have everything figured out before reaching out to a professional. Send me a message or text today, and let us talk through your options together for free. 🏡
https://myoc.io/keltheloanlady

09/15/2026

These are some of the questions I hear all the time — and honestly, I love helping buyers work through them.

“What do I need to have ready to buy a home?”
“How soon should I get pre-approved?”
“How do I know which loan option is actually the best financial move for me?”
“Is now really a good time to buy, or should I wait and save more?”

There’s no one-size-fits-all answer to any of these — and that’s exactly why having a real conversation matters.

When we talk, we look at your goals, your timeline, and your numbers so you can make decisions with clarity instead of guesswork.

If these questions have been sitting in the back of your mind, you don’t have to figure them out alone.
I’m always happy to talk through them and help you build a plan that makes sense for you.
https://myoc.io/keltheloanlady

09/10/2026

Homeownership offers numerous advantages, including the potential for tax deductions. This is just one of the many financial benefits that come with owning your home.
https://myoc.io/keltheloanlady

09/08/2026

If you want to successfully buy a home, this is what you need to know 👇

Rates do matter – but they’re only one part of your monthly mortgage payment.

Your loan amount, property taxes, insurance, and even HOA fees all impact what you’ll actually pay each month.

A low rate won’t help if the overall payment stretches you too thin.

If you’re looking for ways to improve your rate, focus on:
➡️ Boosting your credit score
➡️ Exploring different loan options
➡️ Comparing lenders to find the best fit

Want to know what your home budget really looks like? Message me BUDGET for expert guidance tailored to your financial goals.

Your dream home might be more affordable than you think – let’s find out together. 🏡💰

09/07/2026

Happy Labor Day!

I went down a little Labor Day history rabbit hole, and I found a few facts that I thought were pretty interesting.

The first Labor Day celebration was held in New York City on September 5, 1882, which also happens to be my birthday!

Now, I’m a 1977 model, so this happened long before I came along. I just like to think they picked a really good date.

Around 10,000 workers took part in that first Labor Day parade.

Then, in 1894, President Grover Cleveland signed Labor Day into law, making the first Monday in September a national holiday.

Here’s another interesting part: historians still don’t agree on who first came up with Labor Day. It was either Peter McGuire or Matthew Maguire. Their last names sound the same but are spelled differently.

Today, Labor Day is a time to recognize American workers. It’s also known as the unofficial end of summer. School is back, football has started, and after the heat we’ve had, I think a lot of us are ready for cooler weather and those beautiful East Tennessee fall colors.

I found most of these fun facts on the U.S. Department of Labor’s Labor Day history page, and the parade number came from the Library of Congress, so I didn’t just make them up!

Happy Labor Day!

09/03/2026

These don’t have to be obstacles that derail your home buying journey — instead, I see them as opportunities to help you succeed.

✅ Perfect credit? Not required.
✅ You may qualify for programs with down payments as low as 0–3.5%
✅ I’ll help you explore all your options and create a plan that works for you.

My mission is simple: to take the guesswork out of homebuying and provide you with the confidence and clarity to make the right decisions.

Reach out to me directly for additional resources and honest advice tailored to your unique needs to help guide you every step of the way.
https://myoc.io/keltheloanlady

09/01/2026

I'm here to help with the financial side of home buying, but it's also important to find the right real estate agent to help you find your next home, complete all necessary paperwork, and provide expert guidance throughout each step of the process. Want some recommendations? I know some amazing agents who would be happy to help you!
https://myoc.io/keltheloanlady

08/27/2026

Unsure if homeownership is the right financial move for you this year?
That question alone tells me you’re thinking about it – so here’s what I tell my clients.

A quick consultation can help you:
📊 Understand what you could realistically afford
💵 Compare renting vs. buying based on your numbers
🧭 See what options might make sense for 2026 — even if you’re not ready today

No pressure. No obligation. Just a conversation to give you clarity and a plan.

💬 Comment CONSULT and I’ll reach out to set up a free homeowner consultation so we can walk through your options together.
https://myoc.io/keltheloanlady

08/25/2026

Summer hits differently when you’re enjoying it in your own home.

Whether you’re grilling for friends, building a garden, or throwing the ultimate pool party — having your own space makes it that much sweeter.

What’s your favorite summer activity? Cast your vote 👇

And if you’re still dreaming of a place to call your own, I can help make it happen.

📩 Message me to get started on your path to homeownership.
https://myoc.io/keltheloanlady

Address

1225 Weisgarber Road, Suite 260
Knoxville, TN
37909

Website

http://www.KelTheLoanLady.com/

Alerts

Be the first to know and let us send you an email when Kel Cotto, NMLS 1867051 - Mortgage Investors Group - Sr.Loan Officer posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Kel Cotto, NMLS 1867051 - Mortgage Investors Group - Sr.Loan Officer:

Want your business to be the top-listed Finance Company in Knoxville?