David Kelly - Loan Officer

12/16/2025

A1 is almost here.
Kicking off Supercross the right way.
Join us Jan 10th at Brick West Brewing for our annual A1 Watch Party.
Races start at 3:30pm, giveaways from our sponsors, cold beer, and good people of all ages.
Huge shoutout and thank you to Aaron Plessinger for the clip and the hype.
If AP’s ready, you should be too. 🏁🍻

https://www.facebook.com/share/1FVxB1qWzh/

12/10/2025

Yes, the Fed cut interest rates by 0.25%. This does not mean mortgage rates get lowered by 0.25%. The Fed controls the federal funds rate, which affects short-term borrowing like credit cards, auto loans, HELOCs, and business credit. It does not directly change long-term mortgage rates.

Mortgage rates are driven by the bond market, specifically mortgage backed securities. When investors buy or sell these bonds, the pricing on mortgage rates adjusts. As I type this, the UMBS 30YR 5.5% coupon is up 15 basis points. If investors reprice for the better, the discount points on any quoted interest rate will improve.

Here is an example. If yesterday the advertised rate was 5.99% with 0.75 points and pricing improves by 15 basis points, that same 5.99% rate might now cost 0.60 points. On a $500,000 loan amount, that saves you $750 overnight.

Thank you for attending my TED talk. If you want to learn more about all of this, reach out so we can nerd out. 🤓

05/09/2025

Congratulations to Dr. Mack! 🎉
After finishing her residency in Peoria, IL, she’s heading back home to Spokane, and we are making her home purchase happen seamlessly. 🏡

🤯Closing 60 days before she starts the new job!
⭐⭐⭐⭐⭐ Thanks for the Review!

It’s been a pleasure working with you, and I’m excited for what’s ahead as you settle in. Welcome back, Dr. Mack!

05/05/2025

Congrats to Eric & Megan on their new home!
Big thanks to Megan for trusting us to work alongside her financial advisor, and a special thank you to Eric for your service.

When another lender said they couldn’t use their VA Loan, we jumped in, did some quick credit work, and made it happen. No problem.

Appreciate you both for trusting us to get it done!

05/02/2025

Another one closed! 🏡

Huge thanks to Nate & Shawna for trusting me with their home purchase.

Helping more Veterans daily! We locked in a great deal, kept it smooth start to finish, and got them into their new place with confidence.

Appreciate the trust and the opportunity to help you both make it happen!

04/30/2025

Thank you for your continued trust, Pavel.

It was great working with you again—this time on your VA IRRL

We got it done quickly, lowered your rate, and put some savings back in your pocket.
Always appreciate the opportunity to make the process smooth and stress-free.

04/28/2025

Congratulations Chris & Danielle on your new home! 🏡
As VA clients, you had options—and I’m truly honored you decided my team was the better fit for the job.

Thank you for your trust, your service, and your belief in what we bring to the table. 🙌
We pride ourselves on making the process smooth, fast, and stress-free—and I’m grateful we got to deliver that for you both.

Here’s to new beginnings and a beautiful chapter ahead! 🥂
Welcome home.

04/26/2025

Jazmin and Laakea are all moved in!
We made it happen with Laakea on active duty in Saudi Arabia. Thank you both for trusting me to get it done, for the 5-star review and most importantly thank you for your service!

04/25/2025

🏡 Congratulations Avery & Sarah on your new home! 🎉
Thank you for trusting me with your million-dollar investment—and for the 5-star review!

After a couple conversations about your goals, you decided I was the man for the job—and I’m honored. Your previous lender is a top 100 in the country, highly respected... but sometimes great service matters more than just a low rate.

✅ We matched the rate.
🚀 We delivered faster.
💯 We provided a better experience.
📅 We closed early. (even with a notary to Texas and back)

Cheers to a smooth transaction and a beautiful future in your new home! 🥂

01/21/2025

I’m excited to announce that I’ve started a lending team, Lesser Lending Group, at Canopy Mortgage. This would not be possible without the mentorship and encouragement of Hunter Zier I’m grateful for this and look forward to continuing to help clients achieve their homeownership goals with a team and company that shares a passion for growth and excellence.

www.lesserlending.com
[email protected]
(509) 749-8587

Copyright ©2025 Lesser Lending Group is powered by Canopy Mortgage, LLC. | NMLS #1359687 | (509) 818-1976 | www.nmlsconsumeraccess.org | Equal Housing Lender

01/06/2025

I’m proud to partner with Heroes Home Advantage, a program dedicated to helping healthcare workers, first responders, and veterans save on home purchases and refinancing through exclusive rebates and discounts.

If you or someone you know is a hero, let’s connect and make homeownership more affordable!

👉 Message me to learn more!

At Heroes Home Advantage we are dedicated to helping our Heroes! 🇺🇸