Tod Kelly NMLS 162609

10/14/2026

When you’re mapping out a budget to buy a home, it helps to account for all expected monthly expenses, not just the home price or loan amount. Additional items like insurance, taxes, and other fees also affect affordability.

Want a clearer picture of what your monthly payment could look like? Call me at 586.262.1000, or start your preapproval using my personal Pro SNAP link → https://hubs.la/Q04yJHqB0

10/07/2026

Not sure which loan option is right for you? FHA may be worth exploring if you’re looking for flexible guidelines and a more manageable start to homeownership. The best first step is seeing what you may qualify for.

Call me at 586.262.1000, or start your preapproval using my personal Pro SNAP link → https://hubs.la/Q04yJBm_0

09/30/2026

Had a great experience with Mortgage 1? We’d love to hear about it! Your Google review helps others learn what it’s like to work with our team.

Leave a review here → https://hubs.la/Q04x1h9x0

09/29/2026

A seller credit can reduce the cash you need at closing. Here’s how it works, what it can cover, and the loan limits buyers and sellers should know. Read more:

A seller credit can reduce the cash needed at closing. Learn how seller credits work, what they cover, and loan limits for buyers and sellers.

09/23/2026

Thinking about buying this fall? A little prep now can make the process feel a lot smoother when the right time comes. Reviewing your budget, understanding your options, and getting pre-approved can help you shop with confidence.

Call me at 586.262.1000, or start your pre-approval using my personal Pro SNAP link → https://hubs.la/Q04x1fHH0

09/16/2026

USDA loans may help eligible buyers purchase with 0% down in qualifying areas, including some smaller communities and suburban locations. It’s an option worth checking when evaluating your options.

Curious if you qualify? Call me at 586.262.1000, or start your preapproval using my personal Pro SNAP link → https://hubs.la/Q04x172G0

09/03/2026

Preparation is half the mortgage process. Learn what documents to gather, what to avoid, and the steps to take to apply with confidence. Read more:

Get your mortgage application checklist right the first time. Mortgage 1 helps you gather documents, compare loans, and apply with confidence.

09/02/2026

Appraisal and inspection both matter before closing, but for different reasons. One helps confirm the loan's value, while the other helps you understand the home’s condition.

Knowing what to expect can make buying feel a lot less overwhelming. If you are ready to buy soon, call me at 586.262.1000 with any questions or to walk through the process.

08/26/2026

Touring homes can be exciting, but don’t let pretty staging be the only thing you notice. Pay attention to how the home functions for your lifestyle, from storage and layout to major systems and long-term fit.

Ready to start your buying journey? Call me at 586.262.1000, or begin your preapproval using my personal Pro SNAP link: https://hubs.la/Q04sn-JW0

08/19/2026

Planning ahead for upfront costs can help you avoid surprises as you approach closing day. The exact amount depends on your loan, purchase price, credits, and final closing figures. Give me a call at 586.262.1000 to see what that might look like for you.

Ready to start planning? Begin your preapproval using my personal Pro SNAP link → https://hubs.la/Q04snzSY0