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

Kel Cotto, NMLS 1867051 - Mortgage Investors Group - Loan Officer NMLS #1867051. MIG NMLS #34391. Equal Housing Opportunity Lender. That's how we've become leaders in the local mortgage lending market.
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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, MIG NMLS #34391, Equal Housing Opportunity.

A conventional loan is one of the most common types of mortgages, offering flexibility and competitive rates for qualifi...
06/16/2026

A conventional loan is one of the most common types of mortgages, offering flexibility and competitive rates for qualified buyers. But who qualifies, and what makes it a great option for many?

Here’s what you need to know about conventional loans:

✅ Down payment as low as 3% — Perfect for first-time homebuyers or those with limited savings
✅ Competitive interest rates — Often lower than FHA or VA loans for borrowers with strong credit
✅ No mortgage insurance — If you put down 20% or more, you won’t have to pay PMI (private mortgage insurance)
✅ Flexible loan terms — Choose from a variety of loan lengths and repayment options
✅ Higher loan limits — Can be used for more expensive properties in certain areas

Conventional loans are ideal for:

🔹 Buyers with good credit (typically 620 or higher)
🔹 Those who can afford a down payment (even a small one)
🔹 People looking for flexibility and lower overall costs

If you’re ready to explore if a conventional loan is right for you, let’s connect! I’m here to help you navigate the process and find the best mortgage solution for your situation.
https://myoc.io/keltheloanlady

Your mortgage journey doesn’t end the day you get the keys — and neither does my support.I stay connected with my client...
06/11/2026

Your mortgage journey doesn’t end the day you get the keys — and neither does my support.

I stay connected with my clients because building wealth through homeownership is an ongoing process.

After closing, I help you:

📈 Track your equity so you know when your home’s value could open new financial opportunities

💸 Explore refinance options if rates shift or your goals change

🔧 Understand which upgrades add real value and which ones might not pay off

🏡 Plan your next move — whether that’s upsizing, downsizing, or investing in a second property

💬 Check in yearly so you always know where you stand and what’s possible next

A great mortgage shouldn’t just get you into a home — it should help you build wealth while you’re in it.

If you want someone in your corner who thinks beyond the closing table, send me a message.

I’m here to help you build your long-term strategy, not just your loan.

A mortgage consultation isn’t a commitment – it’s a conversation. It’s your chance to get real answers to your questions...
06/09/2026

A mortgage consultation isn’t a commitment – it’s a conversation.

It’s your chance to get real answers to your questions, understand your options, and create a plan that works for you.

Whether you're months away from buying or just starting to consider your options, I can help you sort through the details and feel confident in your next steps.

Here’s what I can help with:

✅ Determining what you can afford based on your financial situation

✅ Which loan programs might be the best fit for you

✅ How to navigate credit, down payments, and monthly costs

✅ What your next steps should be, whether you’re ready now or just starting to plan

No pressure. No obligation. Just clear, honest guidance to help you move forward with confidence.

As we get closer to year-end, many buyers don’t realize how much opportunity there still is to save — especially when it...
06/04/2026

As we get closer to year-end, many buyers don’t realize how much opportunity there still is to save — especially when it comes to taxes, refinancing, and preparing for next year’s market.

Here’s how a quick check-in can help:

💰 See if refinancing now could lower your rate before the holidays

📉 Find out whether your tax situation will help or hurt your loan approval next year

📊 Get clarity on how much home you can afford before prices and competition rise in spring

🔑 Build a step-by-step plan you can follow between now and January

You don’t have to guess your way into homeownership.

With the right guidance, you can start the new year with clarity, confidence, and a clear path forward.

Message me HOME HELP and I’ll help you get started.

"As your loan officer, my role is to guide you through selecting the right loan, whether you're buying a new home or ref...
06/02/2026

"
As your loan officer, my role is to guide you through selecting the right loan, whether you're buying a new home or refinancing. Together, we'll find a loan that suits your unique financial needs."
https://myoc.io/keltheloanlady

Pre-approval isn’t just a formality — it’s how I help buyers move forward with confidence and avoid unnecessary stress. ...
05/28/2026

Pre-approval isn’t just a formality — it’s how I help buyers move forward with confidence and avoid unnecessary stress.

I focus on giving you real guidance, honest answers, and tools to make the process easier.

Here’s how I can help you:
✔️ Know exactly what price range to shop in
✔️ Get a clear estimate of your monthly payment
✔️ Understand how your credit, income, and down payment all factor in
✔️ Be ready to make a strong, confident offer when the right home comes along

If you’re starting your search, let’s create a plan that fits your life — and your budget.

📩 Message me today to take the guesswork out of home shopping, or reach out to learn more about getting pre-approved.
https://myoc.io/keltheloanlady

05/27/2026

Who is Kel?

I’m a Mortgage Loan Officer, but more than that, I’m someone who believes buyers deserve clear answers, real numbers, and a game plan that actually makes sense.

Buying a home can feel like a lot. My job is to help make it less scary, less confusing, and a whole lot more doable.

If you’re thinking about buying, refinancing, or just want to know what your options look like, let’s connect.

Shoutout to Monica D. Shafer for sharing the AI prompt idea for these personal infographics! I had to tweak mine a bit t...
05/26/2026

Shoutout to Monica D. Shafer for sharing the AI prompt idea for these personal infographics! I had to tweak mine a bit to make it fit me better (cats > dogs, no coffee 😂), but honestly… this turned out pretty spot on.

It’s kind of wild seeing your personality, goals, strengths, healing journey, quirks, and dreams turned into art. AI is crazy sometimes in the best way.

I'll put the prompt down in the comments below!

Net worth isn’t just a number—it’s an indicator of long-term financial security and opportunity.Here’s why it matters:✅ ...
05/26/2026

Net worth isn’t just a number—it’s an indicator of long-term financial security and opportunity.
Here’s why it matters:

✅ Access to Better Financial Opportunities:
A higher net worth opens doors to better loan rates, investment opportunities, and the ability to leverage equity for future goals—like starting a business or funding your child's education.

✅ Greater Financial Stability:
Owning a home often means building equity with every mortgage payment, providing a safety net for unexpected expenses or opportunities to refinance when rates drop.

✅ Wealth That Grows Over Time: As a homeowner, your property has the potential to appreciate, increasing your net worth without any additional effort. This creates a more solid financial foundation for retirement or future investments.

If you’re renting, now is the time to think about how homeownership could change your financial picture. And if you’re already a homeowner, maintaining and growing your property’s value can further strengthen your net worth.

Want to know how you can boost your financial future through homeownership?

Reach out today so we can explore your options, or let me know what questions I can answer for you in the comments so you can make informed financial decisions.
https://myoc.io/keltheloanlady

Today, I’m taking a moment to pause and remember what Memorial Day is truly about.It’s about honoring the men and women ...
05/25/2026

Today, I’m taking a moment to pause and remember what Memorial Day is truly about.

It’s about honoring the men and women who gave their lives serving our country. Because of their courage and sacrifice, we get to live with freedoms that should never be taken for granted.

May we always remember them, honor their families, and never forget the cost of freedom.

Address

1225 Weisgarber Road, Suite 260
Knoxville, TN
37909

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