Tod Kelly NMLS 162609

06/03/2026

Not sure which loan option fits best? Conventional, FHA, and USDA can all be great paths to homeownership; it just depends on your budget, eligibility, and where you’re buying. If you want help comparing your options, call me at 586.262.1000, or start your preapproval using my personal link → https://hubs.la/Q04jyNMQ0

05/28/2026

Trying to buy a home with a lower down payment or more flexible credit requirements? FHA loans may offer an affordable path toward homeownership for qualified buyers. Learn more about the advantages of FHA loans:

Explore the advantages of FHA loans, including low down payments, flexible credit requirements, gift funds, and closing cost support.

05/25/2026

From all of us at Mortgage 1, Happy Memorial Day. We pause today to honor the brave service members who gave their lives for our freedom, and we hold their families in our thoughts.

05/21/2026

Before closing day, it helps to understand what makes up your final amount. Explore what goes into your cash to close and why that number can change during the mortgage process:

Learn what makes up cash to close, including your down payment, closing costs, prepaid expenses, credits, and what to review before closing.

05/20/2026

Conventional loans are a popular choice for many buyers because they offer more flexibility, like choosing your term length, down payment strategy, and how you want your monthly payment to feel. If you’re planning to buy this summer, start your preapproval using my personal link → https://hubs.la/Q04f-prw0

05/13/2026

Ready to buy? When you’re planning your monthly mortgage budget, don’t forget to factor in other monthly expenses, like utilities, maintenance, HOA fees (if applicable), and homeowners' insurance. Keeping the full picture in mind can help you choose a payment that feels comfortable and sustainable long-term.

Have questions or want help figuring out what budget makes sense for you? Call me at 586.262.1000, or start your preapproval today → https://hubs.la/Q04fZVJT0

05/10/2026

Moms, you do so much for everyone else, today we’re celebrating you. 💐 Whether it’s more space for your family, a backyard for summer nights, or finally finding a place that feels like home, I’d love to help you take the next step when you’re ready. Call 586.262.1000 or get started here: https://hubs.la/Q04f-94P0

05/06/2026

If you’re eligible for a VA loan, you may have access to powerful benefits that can make buying more affordable. Want to see what you qualify for? Call me at 586.262.1000, or start your preapproval using my personal link today → https://hubs.la/Q04f1YQ10

04/29/2026

Looking at a home that needs a little work? Renovation loan options (like an FHA 203(k)) allow qualified buyers to finance the purchase and eligible improvements together, so you can make the home yours sooner. Call me with any questions at 586.262.1000, or start your preapproval using my personal link → https://hubs.la/Q049d9fH0

04/22/2026

Earth Day reminder: 🌎 Small home upgrades can make a real difference, both for energy use and your monthly budget. Start simple: switch to LED bulbs, seal up drafts around doors/windows, and replace your HVAC filter for better airflow.

Not a homeowner yet, but planning to buy soon? Start with pre-approval so you know your budget and options. Feel free to use my personal link → https://hubs.la/Q049d65r0