Tod Kelly NMLS 162609

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

08/12/2026

If your lease renewal is coming up, this could be a great time to explore buying options. Getting preapproved can help you compare real numbers and see if homeownership is closer than you think.

Want to compare your options? Call me at 586.262.1000, or start your preapproval using my personal link → https://hubs.la/Q04rQ6BQ0

08/05/2026

Think 20% down is the only way to go conventional? Not always. Your credit profile, savings, and overall application can all affect what conventional loan options may be available. Want to see what may fit your situation? Call me at 586.262.1000, or start your preapproval using my personal link → https://hubs.la/Q04rwx0R0

08/04/2026

A large bonus or inheritance can do more than sit in savings. Learn what a mortgage recast is, how it lowers your payment, and how it compares to refinancing. Read more:

A mortgage recast lowers your monthly payment after a lump-sum payment, keeping your rate and term. See how it compares to refinancing.

07/29/2026

Have home improvements or a major project on your summer list? A HELOC can provide you with flexible access to funds using the equity in your home.

Call me at 586.262.1000 to see if you qualify!

07/22/2026

Thinking about buying a home? Pre-approval gives you a clearer picture of your budget, helps narrow your search, and prepares you to act when the right home comes along.

Take the first step today and start your pre-approval using my personal Pro SNAP link → https://hubs.la/Q04ndBvV0

07/15/2026

MSHDA provides more than just down payment assistance. You may also be eligible for Conventional, FHA, VA, and USDA/RD financing. The right path depends on your eligibility, finances, location, and homebuying goals.

Call me at 586.262.1000 to explore your options, or start your preapproval application → https://hubs.la/Q04ndCTK0