Kelley Ross, Senior Loan Officer

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United States
Troy, MI
Kelley Ross, Senior Loan Officer

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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 experience 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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11/03/2026

A buyer with student loans and a couple of 1099s can still organize a clean file before applying. Start with the basics: recent W-2s or 1099s, two months of bank statements, and a list of debts so the lender can match income and obligations without back-and-forth later.

11/02/2026

What usually holds homebuyers back is not one missing detail, but a scattered file. One practical move is to build a simple folder with income documents, bank statements, ID, and notes about gift funds or a recent move, then review it before underwriting asks for it. That small step can keep the process moving when the timeline gets tight.

11/01/2026

One common mistake is assuming a down payment is the only hurdle for military buyers. In reality, the file often turns on how the lender reads residual income, entitlement, and any leftover debt, so a cleaner debt-to-income profile can matter more than a perfect score. A quick pre-application checklist can save time: DD214, income documents, and a list of monthly obligations. Compare this to your situation. https://bit.ly/4dvR0hK

10/31/2026

A common mistake is assuming every listing photo set tells the full story. In reality, buyers often click first on homes that show room scale, natural light, and clean angles, because it helps them decide whether to schedule a showing. If you're comparing properties, look for images that make floor flow and condition easy to judge before you spend time touring. See how it works. https://bit.ly/4cc0Btg

10/30/2026

Utility costs can separate a house that looks affordable from one that actually fits the budget. A smart comparison is to ask for recent bills, then look at insulation, window type, heating system, and any solar lease before you decide. A home with lower carrying costs may be the better fit even if the list price seems similar.

10/29/2026

What trips up many eligible service members is assuming every seller concession or repair request works the same way under VA. In reality, the offer strategy, appraisal results, and any needed repairs can affect timing and negotiation. Knowing those details early helps a buyer avoid surprises after going under contract. Walk through the steps. https://bit.ly/4xbkM2O

10/28/2026

One practical step can save a lot of back-and-forth: check the entitlement and property requirements before you start shopping in earnest. Veterans sometimes focus only on the home itself, but VA financing also looks at occupancy, the appraisal, and whether the loan file has the right military service records from the start.

10/27/2026

Before you choose a house, check the inspection plan. A buyer who skips the inspection to stay competitive can miss roof issues, electrical problems, or evidence of water intrusion that change the true cost of the home. If the property needs work, ask whether a repair loan like FHA 203k fits the situation before you move forward.

10/26/2026

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10/26/2026

We are excited with all the new technology,programs and people that will continue to support our clients.

Address

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

Telephone

+13134076016

Website

https://www.kelleyrossonline.com/ask-a-professional/, https://www.kelleyrossonline.com/purchase-assistant/, https://www.

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