Tim Kelly - Mortgage Loan Officer - NMLS #1992995

Tim Kelly - Mortgage Loan Officer - NMLS #1992995 Passionate about making your upcoming purchase/ refinance fast, easy and affordable while delivering the ELITE level of client service you deserve!

Licensed with Charmed Mortgage - NMLS # 2544601 - www.charmedmortgage.com

www.nmlsconsumeraccess.org

🎄 Help Us Stuff the Stockings for the Macomb Humane Society! 🐾Imagine every single dog, cat, and critter at the Humane S...
12/01/2025

🎄 Help Us Stuff the Stockings for the Macomb Humane Society! 🐾

Imagine every single dog, cat, and critter at the Humane Society of Macomb waking up to a gift on Christmas morning. That is our mission, and we need your help to make it happen!

We are hosting our 4th annual Stocking Drive to ensure every animal waiting for their forever home gets a special treat, toy, or cozy blanket to open.

Here’s How You Can Bring Christmas Joy:

Donate Items: We are collecting new toys, durable chews, warm blankets, pet-friendly treats, and wet food (view their full wish list on their website!).

Monetary Donation: Every dollar helps us purchase the specific supplies needed for each animal.

⏰ DEADLINE: All donations must be received by December 15th!

Please drop off donations at The Humane Society of Macomb - 11350 22 Mile Rd, Utica, MI 48317 in the donation box when you walk in. You can also donate via Venmo directly to Ariel @ "Ariel-Radtke" or to myself @ "TAKELLY24" with notes "Stocking Drive" or I can come pick items up from you directly :)

Let's make this Christmas magical for these deserving animals. Share this post and help us spread the word! Thank you for your kindness! ❤️

05/19/2025

📣 Big news for future homeowners and consumers looking to refinance! 🏡 The Area Median Income (AMI) limits for 2025 have been UPDATED! 🎉

Good news! The 80% AMI is now $82,160 annually ($6,846.66 monthly), up from $77,480 in 2024 for the following counties: Macomb, Oakland, Wayne, St. Clair and Livingston.

What does this mean for YOU? If your monthly income is below $6,846.66, you might qualify for incredible affordable loan programs like HomePossible® and HomeReady®! These programs offer:

✅ As little as 3% down payment (even if you're not a first-time buyer!)
✅ Significant discounts on interest rates
✅ Reduced monthly mortgage insurance

For example, on a $291,000 loan ($300,000 purchase price) with an interest rate of 6.375% (6.636% APR), with a 30-year term, your monthly principal and interest payment would be $1,815.46. Taxes and Insurance not included; actual payment obligation will be greater. Scenario based on a 740 credit score with rates and terms subject to change without notice. Subject to borrower approval.

Ready to explore your homeownership dreams? Contact me today to see if you qualify! Let's make your move happen. 🔑

Let's Fill Some Paws with Holiday Cheer! 🐾🎁 We're asking for your help to spread holiday joy to the furry friends at Hum...
11/22/2024

Let's Fill Some Paws with Holiday Cheer! 🐾🎁

We're asking for your help to spread holiday joy to the furry friends at Humane Society of Macomb!

As a Mortgage Loan Officer at Charmed Mortgage, LLC Mortgage, I've partnered with Ariel Radtke Johns-Keller Williams Platinum “The Rescue Realtor” to host our 3rd Annual Stocking Drive for Humane Society of Macomb! Our goal is to give every animal in the shelter a stocking to open on Christmas 🎄

We're collecting donations of:
* Toys
* Treats
* Bones
* Leashes
** Stockings already received **

Let's make this holiday season extra special for these deserving animals. 🐶🐱

You can drop off donations to box at The Humane Society of Macomb - 11350 22 Mile Rd, Utica, MI 48317 *Be sure to tell me if you drop something off so I can thank you!*

You can also donate money for Ariel to purchase the stocking stuffers! Venmo: -radtke PayPal: [email protected]

All donations are due by Sunday, December 15th. If you are unable to donate, please help by sharing this post and let's work together to brighten the holidays for our furry friends!

I'm incredibly grateful for the heartfelt reviews some of my clients took the time to leave me this year! Your kind word...
05/03/2024

I'm incredibly grateful for the heartfelt reviews some of my clients took the time to leave me this year! Your kind words mean the world and motivate me to keep delivering exceptional service! Thank you for trusting me with your mortgage needs! 🏡

Contact me today and let's get all of your mortgage question's answered! 586-610-7338 📲[email protected] 📧

02/12/2024

We're thrilled to announce that we've partnered with 13 incredible lenders, expanding our network to better serve YOU.

Our 2 newest lenders offer:

- More options for LOW CREDIT SCORES: We understand that everyone's financial journey is unique, and we're here to help you achieve homeownership, even if your credit isn't perfect.

- Unlocking your home's value through REVERSE MORTGAGE: One of our new partners specializes in reverse mortgages, allowing you to access the equity in your home and enjoy a more secure retirement.

No matter your situation, we're confident we can find the perfect mortgage solution for you.

Reach out today for your pre-approval! [email protected]

11/23/2023
Shopping for your starter home today with bigger plans down the road? Lets talk today about your housing goals of tomorr...
12/12/2022

Shopping for your starter home today with bigger plans down the road? Lets talk today about your housing goals of tomorrow and lay out a plan to ensure you are on the right track!

Contemplating buying vs. renting? Homes usually go up in value over time, so every payment you make increases the equity...
12/07/2022

Contemplating buying vs. renting? Homes usually go up in value over time, so every payment you make increases the equity you have in your home. Stop writing checks to your landlord and start investing in your future. DM me to learn more.

Leaving the comfort of home just to complete paperwork is no longer a requirement. My safe and secure online application...
12/05/2022

Leaving the comfort of home just to complete paperwork is no longer a requirement. My safe and secure online application allows you to apply for your home loan without having to make a single trip to my office! I'm ready when you are; reach out to get started!

Online application link below:
https://1l.ink/M2X2B25

Calling all first-time homebuyers: You may be eligible to put just 3% down and qualify for no monthly mortgage insurance...
11/30/2022

Calling all first-time homebuyers: You may be eligible to put just 3% down and qualify for no monthly mortgage insurance! Message me today to learn how.

Self employed? Gathering income and tax documents can be a pain. That's why we offer Bank Statement loans where you can ...
11/28/2022

Self employed? Gathering income and tax documents can be a pain. That's why we offer Bank Statement loans where you can simply provide bank statements to qualify. Call our team today to get started.

Address

3250 W. Big Beaver Road, Suite 304
Troy, MI
48084

Alerts

Be the first to know and let us send you an email when Tim Kelly - Mortgage Loan Officer - NMLS #1992995 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Share