Tim Kelly - Mortgage Loan Officer - NMLS #1992995

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. 🔑

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!

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

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!

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.

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

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.

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.