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Kelly McGuinness NMLS 99282

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Shelton, CT
Kelly McGuinness NMLS 99282

Home Loans. Made Simple. I’m Kelly McGuinness, NMLS: 99282, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple.

At PrimeLending, we are Home Loans Made Simple®. For over three decades, we have helped people buy, refinance and renovate their homes. PrimeLending’s loan officers give customers personal attention and explain their options every step of the way. We have straightforward processes, user-friendly mobile applications and step-by-step communication to keep our customers informed and feeling at ease.

We lock, approve and close loans quickly, and earn our customers’ trust with our reliable service. PrimeLending loan officers help customers choose from a wide array of loan products, like fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans and relocation programs. primelending.com/legal

Equal Housing Lender

PrimeLending NMLS ID: 13649

06/30/2025

🏡 Ever feel like your home’s value is growing, but you're not sure what that really means for you? That’s where your loan-to-value ratio, or LTV, comes in.

📊 LTV compares how much you still owe on your mortgage to how much your home is worth today. Here's an easy way to picture it — imagine your home as a pie 🥧 and your LTV is the slice your lender still owns. The smaller their slice, the more equity you’ve built up — and that can open doors when you’re ready to refinance 🔓.

A lower LTV can open the door to better rates, more loan options, and the chance to drop mortgage insurance.

📬 Want to see where you stand? DM me to get started.

06/29/2025

☀️ Summer’s here — and while vacations and BBQs are top of mind, it’s also the perfect time to give your home a little seasonal TLC.

Here’s a quick summer home maintenance checklist to keep things running smoothly:

✅ Clean gutters and check for clogs

🛠️ Service the A/C (your future self will thank you)

🧼 Power wash the exterior and outdoor furniture

🔍 Inspect windows and doors for leaks

🌳 Trim trees and check for overgrown branches

Want to make it fun? Crank up your favorite playlist 🎶, turn it into a weekend challenge, or reward yourself with a cold drink 🍹 and some backyard lounge time when you check it all off.

Keeping your home in shape doesn’t have to be a chore — it can be part of the summer vibes 😎.

06/27/2025

💸 Every mortgage payment you’ve made? That’s not just a bill — it’s an investment in your future.

🏡 Homeownership puts you on the path to long-term wealth, and National Homeownership Month is the perfect reminder of the power of equity. Whether you’re staying put or planning your next move, your home is working for you.

📲 Want to see how much equity you’ve built? DM me to check in and see where you stand.

06/26/2025

⏯️ Your career shouldn’t come with a pause button — and at PrimeLending, it doesn’t.

🎓 With PrimeLending University we offer more than just training — we create real opportunities to advance. From hands-on leadership development to mastering tools that drive success, our continuous learning program helps you build the confidence, knowledge, and momentum to take your career wherever you want it to go.

Step into a role where your growth is supported at every level. Let’s talk.

06/25/2025

🏡 School’s out, routines are more flexible, and there’s extra time to settle in — summer is one of the easiest times to make a move, especially for families with kids ☀️👨‍👩‍👧‍👦

It’s a chance to adjust at your own pace, get to know a new neighborhood, and start fresh before the school year begins. No juggling classes or last-minute packing — just a little more breathing room to enjoy the transition 🌳📦

If a summer move is on your radar, get in touch and let’s create a plan that fits your timeline.

06/24/2025

💳 If you've been managing your money well, you deserve a mortgage process that sees the full picture.

That’s where Loan Lift comes in. This automated underwriting program helps more homebuyers get approved by recognizing non-traditional income sources like Venmo, Zelle or gig work 💼.

It’s designed to give you credit for real financial habits — not just what shows up on a pay stub 🧾.

Wondering if Loan Lift could help you qualify? ✉️ Send me a DM and I’ll give you all the details.

PrimeLending is not affiliated with other mentioned companies.

06/23/2025

🗝️ Sometimes the only thing standing between you and homeownership is a little extra support — and that’s where a co-signer can help.

If your credit score is still building 📉, your income is just shy of what’s needed 💰, or your debt-to-income ratio is a bit high 📊, a trusted co-signer can strengthen your application and help you qualify. It’s a common solution, and it doesn’t mean you’re not ready — it just means you have someone backing you up 🙌.

And here’s the good news — having a co-signer isn’t forever. Once you’ve had time to build equity or strengthen your financial profile, you may be able to refinance and remove them from the loan.

There’s more than one way to get the keys 🏡 — and this could be the one that gets you there. Send me a DM to walk through the details and see if this option makes sense for you.

06/20/2025

☀️ Happy first official day of summer! 🏖️ Buying a home this summer can be a great move — with the right strategy. Here are 5 tips to help you stay a step ahead:

✅ Get your financing in order early — Knowing what you can afford helps you act quickly and confidently.

🏠 House hunt early or late in the day — It’s cooler, less crowded, and gives you more time to make thoughtful decisions.

❄️ Check out the AC — Summer is the ideal time to see how well a home handles heat.
🌞 Pay attention to sun exposure — The way light hits the home can affect comfort, cooling costs, and even landscaping.

📈 Be ready for competition — With more buyers in the market, preparation is key to making a strong offer.
Reach out to us to talk through your summer homebuying game plan — we’re here to help! 🏡

06/19/2025

Today we celebrate freedom, progress, and the power of community. ✊🏽❤️💛💚

Juneteenth marks a turning point in American history — a day of liberation, reflection, and deep cultural pride. It’s a time to honor the generations who paved the way and to uplift the voices continuing to shape our future.

Here’s to resilience, to progress, and to building a future rooted in equality and empowerment. 🕊️

06/18/2025

🤔 What if your underwriting process helped you say “yes” more often — with less friction?

At PrimeLending, our 🚀 Loan Lift Program uses automated underwriting to quickly identify qualified buyers who might not meet traditional income standards. By analyzing real financial activity — like Venmo, Zelle and gig income — Loan Lift gives you smarter tools to serve more clients, faster. 📊

It’s helping our loan officers close 25% more loans — and it’s built right into your workflow. ✅

Curious how this could streamline your approvals and grow your business? Let’s connect: https://www.joinprimelending.com/ 💬

PrimeLending is not affiliated with other mentioned companies.

06/17/2025

Home trends in 2025 are all about comfort, convenience, and feeling good in your space — and we’re here for it. 🛋️✨ Here are the home features buyers are loving this year:

📱 Smart home tech — From lighting to security, being able to control your home from your phone is no longer a luxury — it’s expected.

🌞 Energy efficiency — Solar panels, efficient windows, and appliances that help lower bills while being eco-friendly? Big yes.

🧘‍♀️ Wellness spaces — Whether it’s a home gym, spa-inspired bathroom, or a quiet spot to recharge, buyers want homes that support healthy living.

If you’re thinking about your next home (or updating your current one), these features are worth keeping in mind. A renovation mortgage can help you bring them to life — without juggling multiple loans. 🛠️ DM me to chat about the details or toss around some ideas!

06/16/2025

Have a client who thinks buying a fixer-upper is going to be overwhelming? 🧰🏠 It doesn’t have to be! Let’s clear up a few common misconceptions I’m sure you’ve probably heard before:

🔹 “It’s too expensive to fix up.” — Not with a renovation loan that rolls the cost of improvements into one affordable mortgage.

🔹 “It’ll take forever to start the project.” — With PrimeLending, the renovation process kicks off right after closing, no long delays.

🔹 “It’s too complicated.” — We keep it simple. One loan, one approval, one monthly payment and a team to guide your client every step of the way.

Fixer-uppers can become dream homes with the right financing in place.💫

Let’s connect and show your buyers how doable a renovation really is.

Address

4 Research Drive, Suite 416
Shelton, CT
06684

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