Mike Kelly - Fairway Independent Mortgage Corp.

03/06/2026

5.0 star review received on Experience.com for Mike Kelly by Natalie M F - Easy heloful straightforward and we feel like we got a great deal

Click to see all 228 reviews of Mike Kelly, Loan Officer | NMLS # 8185

03/03/2026

5.0 star review received on Experience.com for Mike Kelly by Shane F - We don't go through this process often - and when we do its always demanding - from time and emotional energy - so, knowing its an investment in many forms means its imperative to find the right partner that alleviates the burden. That was the case with Mike and his team - the entire process was efficient, friendly, thorough and incredibly well communicated. It just made the whole process noticeably less unnerving and suprisingly easy.

Click to see all 226 reviews of Mike Kelly, Loan Officer | NMLS # 8185

12/11/2025

Do you think you need a big down payment to buy a home? Most people believe they need at least 10% down.

The truth is that’s not necessarily the case. Many buyers put down less than that.

The typical down payment for first-time buyers is actually between 6% and 9%. And depending on the home loans you qualify for, you might only need 3.5%, or even 0% down in some cases.

Your down payment might not be as big of a hurdle as you thought. Let’s talk about your options and how to make homeownership possible for you.

If the down payment wasn’t the thing holding you back, would you be ready to start your home search?

12/09/2025

Have you heard how much this year’s shift in mortgage rates could save you?

Monthly mortgage payments are now $280 lower than they were just a few months ago.

For some buyers, that’s the kind of change that can take buying a home from “not yet” to “let’s go.”

It’s the best affordability we’ve seen in 2.5 years.

If you want an estimate of what a mortgage payment could look like at your price point in our market, comment “LET’S GO” and I’ll run the local numbers for you.

12/06/2025

Here’s why the right answer is so important for you to know.

A lot people overestimate how much they really need to save for a down payment.

The most common answers? 10 or 20%.

The truth: you may be able to put down as little as 3%.

According to FirstHomeIQ, only 8 out of 100 people actually get this right.

Don’t let misinformation hold you back.

What did you guess? Drop a comment below. And if you want more information, talk to a trusted lender.

12/04/2025

Would you let $80 hold you back from buying a home?

Because that’s about all you’ll save per month if mortgage rates drop from where they’ve been lately to 5.99%. Of course, that’ll give or take a bit based on your price point and the rate your lender quotes you.

Rates have already come down enough to save buyers almost $400 a month compared to what they would have spent on a typical home earlier this spring. So, waiting for that last tiny dip could mean missing your shot.

Because when rates do fall below 6%, mindsets will shift, and more buyers will get back in the market.

That’ll create more competition for you. And it may drive prices high enough to cancel out the savings you’re waiting for.

So, is $80 a month really worth the wait?

Let’s run the numbers for your price point in our market, so you can see exactly what you’re working with. The difference may not be as much as you think.

12/02/2025

5.0 star review received on Experience.com for Mike Kelly by Brian R H - willingness to complete proper steps of applying, fulfilling snd completing loan process as well as different avenues of payment. Communication was great and seamless.

Click to see all 225 reviews of Mike Kelly, Loan Officer | NMLS # 8185

11/06/2025

If your mortgage payment went up from your loan servicer, your interest rate almost certainly didn’t. Servicers re-calculate escrow each year, and in Johnson County the jump is usually one of these non-rate items:
1. Property taxes
2. Homeowners insurance
3. HOA/special assessments

JoCo mails tax bills mid-Nov; 1st half due Dec 20, 2nd half due May 10 (next business day if weekend).

10/30/2025

Want to know what’s happening in our area? Let’s have a conversation so you can get a custom overview of what’s available right now and learn how to be ready when the timing is right for you.

Because this isn’t 2021.
This isn’t even 2023 or 2024.
This is a new market – and you might be surprised by what you find.

If you stepped back from your home search over the past few years, you’re not alone – and you’re definitely not out of options. In fact, now might be the ideal time to take another look. 

10/22/2025

🎉 Free money for your home purchase? Yep, it’s real! This program can help cover your closing costs, insurance, and more — and the best part? You don’t have to pay it back. 🏡💰 Let’s chat to see if you qualify!

10/15/2025

Stretch your budget with seller-paid credit:
• Closing costs: lowers your cash to close so you keep more savings.
• Home repairs: tackle fixes or upgrades right away without draining reserves.
• Rate buydown: reduce your interest rate to cut the monthly payment (temporary 2-1 or permanent options).

10/08/2025

There are so many great neighborhoods across the Kansas City area to call home — and the best part? You don’t have to spend $500,000 to find one you love. KC has something for every lifestyle and every budget. 💙✨