Kelley Ross, Senior Loan Officer

Kelley Ross, Senior Loan Officer I am a Senior Loan Officer at Ross Mortgage Corporation, a successful mortgage company NMLS #157625

Ross Mortgage has truly become a family lender for thousands of homeowners. At Ross, we work hard to make the most important investment experience of your life the best investment experience of your life. I understand how important it is for homeowners to be in control of their situation, to understand the impact of their decisions and to be involved with each step. I put my 39 years of lending e

xperience on the line for my customers every day. And although I've been working in mortgage finance business for nearly 30 years, I continue to educate myself on market conditions, trends, programs and changes that could impact my customers and their needs. I'm full service, equal opportunity lender that specializes in guiding my customers through each phase in the mortgage process. I am employed at Ross Mortgage Corporation, a successful mortgage banking company with a reputation for professionalism, integrity and quality service, with its national headquarters based in Troy, MI. All opinions expressed are solely my own and do not necessarily express the views or opinions of my employer. #157625

www.rossmortgage.com
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09/08/2026

Putting less than 20% down? You might need Private Mortgage Insurance (PMI)—but it's not forever! ?? Once you build enough equity, you can usually drop it. Want to know how to ditch PMI faster? Send me a DM! ?? Double-tap if this was helpful, and follow for more real estate insights!

A first-time buyer using FHA often gets tripped up by the paperwork, not the house hunt. A common miss is waiting until ...
09/08/2026

A first-time buyer using FHA often gets tripped up by the paperwork, not the house hunt. A common miss is waiting until underwriting to explain a gap in employment, a recent 1099, or a gift from family; those details are easier to document early with W-2s, bank statements, and a gift letter if needed.

For buyers with a thin file, the issue is often not effort but clarity. A clean set of W-2s, recent pay stubs, bank stat...
09/07/2026

For buyers with a thin file, the issue is often not effort but clarity. A clean set of W-2s, recent pay stubs, bank statements, and an explanation for any gaps gives a lender a faster way to read the story of your finances. FHA can also be worth a look when a smaller down payment or more flexible credit history is part of the picture.

For someone with strong income but limited savings, the down payment is only one part of the conversation. A larger cont...
09/06/2026

For someone with strong income but limited savings, the down payment is only one part of the conversation. A larger contribution can sometimes improve how the file is viewed, but the cleaner move is to check whether paying off a small balance, documenting gift funds correctly, or choosing a different program changes the outcome more than adding cash alone.

A common first-time mistake is guessing at affordability from a listing price alone. A cleaner approach is to line up yo...
09/05/2026

A common first-time mistake is guessing at affordability from a listing price alone. A cleaner approach is to line up your W-2s, recent pay stubs, and any 1099s before pre-approval, then ask how your debt, down payment, and reserve funds affect the search range.

A rural buyer with steady income but limited cash for a down payment may be a better USDA fit than they expect. The key ...
09/04/2026

A rural buyer with steady income but limited cash for a down payment may be a better USDA fit than they expect. The key detail is property eligibility: the home has to be in an approved area, so the first step is checking the address before comparing loan options. See how it works. https://bit.ly/4cc0AFI

09/03/2026

You don't always need a massive rate drop to make refinancing worth it! ?? Changing your loan term or consolidating high-interest debt can be a genius financial move. Curious if the numbers make sense for you? DM us for a free analysis! ?? Like and follow for more strategic mortgage advice!

What if the listing looks fine, but the appliances are dated or missing? That is the moment to check the seller disclosu...
09/03/2026

What if the listing looks fine, but the appliances are dated or missing? That is the moment to check the seller disclosures, confirm what conveys, and bring the question into negotiations early so the offer reflects the full condition of the home rather than just the staging.

If you're self-employed, a strong credit file can matter just as much as clean income docs. A buyer with 1099s or a Sche...
09/02/2026

If you're self-employed, a strong credit file can matter just as much as clean income docs. A buyer with 1099s or a Schedule C should avoid opening new accounts right before underwriting, because even a small inquiry can add noise to an already detailed file. Compare this to your situation. https://bit.ly/4fFCSTr

09/01/2026

Want a free and easy way to save money and feel better? ?? Drink more water! It's healthier than sugary drinks and costs almost nothing. Fill up that water bottle right now! Drop a ?? in the comments if you're staying hydrated today! Like and follow for more daily savings tips!

Address

2075 W. Big Beaver Road Ste 700
Troy, MI
48084

Telephone

+13134076016

Website

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