Keely Maguire NMLS #1115477

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Keely Maguire NMLS #1115477 Novus Home Mortgage, a division of Ixonia Bank NMLS 423065. Equal Housing Lender. Olympic Trials for the 2016 Marathon. Contact her today to get started!

Lending Nationwide from conventional mortgages to unique fix-and-flip financing — I help you navigate every step of the home-buying or investment process with confidence. Keely Maguire graduated from the University of New Hampshire and has been in the mortgage and finance industry for nearly a decade. As a mortgage professional, Keely is determined to help her clients achieve their dreams of homeo

wnership, regardless of any obstacles. Her favorite part of serving the New England area and beyond is navigating the unique needs of each of her clients. Keely specializes in a variety of programs, including Home Ready, Home Possible, state agency (NH Housing), USDA, FHA, first-time homebuyer products, conventional, construction, and investment property loans. Outside of work, Keely spends her time with her two sons and is an avid runner – she even ran in the U.S. Keely also enjoys spending time outside with her animals, horseback riding, and hiking. If your goal is homeownership, Keely will do everything it takes to help make that a reality.

05/06/2026

One of the things I enjoy most about this industry is seeing new solutions become available that help more borrowers achieve their goals.
I had a great call with one of our investors recently to discuss some exciting guideline updates that are creating additional flexibility for both homeowners and real estate investors.
A few highlights:
✅ Rental income from Accessory Dwelling Units (ADUs) may now be eligible for qualifying on primary residence financing as well as DSCR loans.
✅ Non-occupant co-borrower income can be used for qualifying without having to include their liabilities in certain scenarios.
✅ No reserves required on some DSCR loan programs.
✅ No title seasoning requirements, allowing borrowers to use a newly appraised value rather than waiting through a seasoning period.
As lending guidelines continue to evolve, it reinforces the importance of working with a lender who has access to a wide variety of programs and investors. Sometimes the difference between a "no" and a "yes" is simply knowing where to look.
If you're purchasing, refinancing, building wealth through real estate, or have a unique financing scenario, I'd be happy to explore the options available.

As someone whose career revolves around helping people achieve housing stability through homeownership, it was powerful ...
04/06/2026

As someone whose career revolves around helping people achieve housing stability through homeownership, it was powerful to hear about Harbor Care's mission to end veteran homelessness and provide the services that help veterans rebuild and move forward. Housing is about so much more than four walls and a roof it's often the foundation that makes everything else possible.
What was especially encouraging was hearing about their efforts to expand more services into the Seacoast, bringing much-needed resources closer to veterans in our communities. It takes partnerships, community support, and a shared commitment to make that happen.
Thank you to everyone involved in organizing the event and for the important work being done every day to serve those who have served our country. The impact goes far beyond housing. Thank you for the invite David Tille. Harbor Care

27/05/2026

A rewarding day closing on two very different financing solutions for clients today -a full cash-out refinance on an investment condo in Florida and a HELOC on a primary residence for a home improvement project.
Every borrower’s goals look a little different, and that’s why having access to a wide range of lending options matters. Whether it’s leveraging equity from an investment property, financing renovations, or planning for the next stage financially, there is rarely a one-size-fits-all approach.
One of the things I appreciate most about working at Novus Mortgage is the flexibility to help clients with many different types of financing needs and finding solutions that fit their specific situation.
Real estate and lending markets continue to evolve, and creative, well-structured financing can make a big difference.

Sometimes life asks for another chance at the exact moment you’re not sure you deserve one.In all of this, I asked for f...
27/05/2026

Sometimes life asks for another chance at the exact moment you’re not sure you deserve one.
In all of this, I asked for forgiveness. I asked for a fresh start. Quietly. Imperfectly. Carrying mistakes, goals, fears, and hope all at once.
And oddly enough, so did this old house.
For years it sat empty. At different points people tried to make it an inn, offices, something other than what it was. Deals fell apart. Plans changed. It sat still and silent for a long time waiting for someone to believe it could become a home again.
A family took a chance and let me rent it. A house that hadn’t held a family in nearly 150 years.
In a strange way, we found each other at the same time. Two things people had almost given up on. Two things trying to figure out what came next.
There’s something humbling about starting over. Not dramatically. Not loudly. Just slowly rebuilding your life room by room, day by day.
Sometimes healing doesn’t look like a big moment. Sometimes it looks like old floors creaking again, lights turning on, laughter returning to rooms that had been quiet too long.
So here’s to second chances. To old houses. To imperfect people. To beginning again anyway.

12/05/2026

In today’s affordability market, sometimes buyers need to think a little creatively to make homeownership happen. One option that continues to gain attention is “house hacking.”
House hacking is when a buyer purchases a multi-unit property, lives in one unit, and uses the rental income from the other unit(s) to help qualify for the mortgage and offset monthly housing costs. While it’s not the right fit for everyone, for the right buyer it can be a powerful way to start building equity while creating additional income.
Many buyers are surprised to learn that owner-occupied multi-family financing can still come with relatively low down payment options:
• Conventional financing allows as little as 5% down on 2-4 unit properties
• FHA financing allows as little as 3.5% down on 2-4 unit properties
One of the biggest advantages is that projected rental income from the additional units can often be used to help qualify, potentially increasing purchasing power compared to buying a single-family home alone.
There are also certain affordable conventional loan programs that may allow “boarder income” on single-family homes. This means income from someone renting a room in the property could potentially help with qualifying, though there are guidelines and restrictions around how that income can be used.
Of course, owning a multi-family property comes with responsibilities. Buyers should think carefully about whether they are comfortable being both a homeowner and landlord. But for many first-time buyers, young professionals, or even families looking to reduce monthly expenses, it can be a smart long-term strategy in a market where affordability remains challenging.
Sometimes the path to homeownership doesn’t have to look traditional. The key is understanding all of the options available and building the right strategy around your goal 🏘️!

11/05/2026

Mortgage Insurance (MI).
Mortgage insurance is what helps make homeownership possible for buyers who are putting less than 20% down. It protects the lender in the event of default, but more importantly for buyers, it opens the door to financing options that otherwise may not exist.
What many people don’t realize is that not all mortgage insurance companies view borrowers the same way.
One mortgage insurance company may price a loan differently than another based on: • Credit score
• Debt-to-income ratio
• Property type
• Down payment amount
• Self-employment or unique income situations
That’s why working with a loan officer who has access to multiple mortgage insurance providers matters.
If your lender only works with one MI company, you may end up with: • Higher monthly payments
• Higher closing costs
• Less favorable loan structures
• Or even a loan denial that may have been approved elsewhere
Sometimes simply changing the mortgage insurance company can save a borrower significant money every month or help get an approval across the finish line.
Mortgage financing is rarely one-size-fits-all. The details matter, and having options matters even more in today’s market.
A good loan officer isn’t just shopping interest rates — they’re structuring the entire loan strategically behind the scenes.

05/05/2026

One of the biggest challenges I see right now?
Trying to buy a home while still owning your current one.
You find the perfect next home… but your equity is tied up in your existing property. Contingent offers are tough to win, and timing both transactions perfectly can feel almost impossible.
That’s where a bridge loan can be a game changer:
A bridge loan allows you to:
✔ Tap into the equity of your current home
✔ Use those funds toward the down payment on your next home
✔ Buy before you sell — without making your offer contingent
In today’s market, that flexibility can be the difference between winning and losing a deal.
But here’s the part that matters most:
Bridge loans aren’t one-size-fits-all.
There are a lot of moving pieces — qualifying with two properties, structuring payments, understanding timelines, and having a clear exit strategy once your current home sells. Done right, it’s a powerful tool. Done wrong, it can create unnecessary stress.
What I focus on with clients is:
→ Structuring it so the numbers make sense short-term and long-term
→ Making sure the payment scenario is realistic
→ Having a clear plan for the sale of the departing residence
If you’re thinking about making a move but feel “stuck” because you need to sell first, it’s worth having a conversation. There are often more options than people realize.
Timing the market is hard.
Structuring the financing doesn’t have to be.

04/05/2026

Now that the weather is finally turning in New England, I’m starting to see more of those three-season camps, lake properties, and homes on private or seasonal roads pop up on the market.
And every year, the same question comes up: “Can these actually be financed?”
The answer is yes, but, not always in the way you might expect.
These types of properties often fall outside of standard lending guidelines. Things like:
• Seasonal access roads
• Lack of year-round utilities
• Non-traditional construction
• Limited comparable sales
…can make conventional financing tricky.
But tricky doesn’t mean impossible.
There are loan programs and portfolio options specifically designed to handle unique properties like these. It just takes the right approach, the right structure, and a lender who knows how to navigate it.
If you’re a buyer dreaming about that camp or lake escape , or a realtor working with one, don’t assume it can’t be done.
There’s usually a way to make it work.
Feel free to reach out if you want to talk through a specific scenario.

27/04/2026

Feeling priced out of the market as a first-time home buyer? You’re not alone and more importantly, you’re not out of options.
I’ve talked to a lot of buyers lately who feel like homeownership is slipping further away. Prices are up, rates have shifted, and inventory can feel tight. It’s frustrating. But being priced out right now doesn’t mean you’re priced out permanently.
Here’s what I’d focus on:
🔹 Shift the strategy, not the goal
Maybe it’s not your “forever home” right away. Think starter home, condo, or even a property that needs a little work. Getting in the market matters more than getting it perfect.
🔹 Look into assistance programs
There are first-time buyer programs, down payment assistance, and grant options that many people don’t realize they qualify for. The difference can be significant.
🔹 Expand the map (a little)
Sometimes the answer isn’t giving up—it’s adjusting location expectations slightly. Small changes in commute or town can open up more opportunity.
🔹 Get creative with financing
Not all loans are created equal. There are low down payment options, flexible underwriting scenarios, and solutions that can make a deal work when it seems like it shouldn’t.
🔹 Have a plan, not just a pre-approval
A good lender should help you map out how to get there—even if it’s 3, 6, or 12 months out. Sometimes it’s about timing and positioning, not just today’s numbers.
The biggest mistake I see? People stepping out of the market entirely because it feels discouraging.
Don’t count yourself out. The path might look different than you expected, but it’s still there.
If you’re feeling stuck or unsure where to start, let’s talk through it. There’s almost always a way forward—you just need the right strategy.

Short-term rentals can be an incredible wealth-building tool… but financing them isn’t always as straightforward as peop...
23/04/2026

Short-term rentals can be an incredible wealth-building tool… but financing them isn’t always as straightforward as people expect.
Platforms like Airbnb and VRBO have opened the door for buyers to think beyond traditional primary homes and long-term rentals. The opportunity is real—but so are the lending nuances.
Here’s where things get tricky:
Most traditional loan programs (Conventional, FHA, VA) are designed around stable, predictable income. Short-term rental income? It can fluctuate seasonally, rely heavily on occupancy rates, and often doesn’t show up cleanly on a tax return—especially if the property is newly acquired.
That means:
You typically can’t use projected Airbnb/VRBO income right away to qualify
Appraisers may treat the property as a standard single-family or 2-4 unit—not based on its income potential
Lenders are focused on your personal income and debt ratio, not the property’s performance (at least initially)
So what are the options?
This is where creative and strategic financing comes into play:
✔️ Second home/vacation home loans – If the property meets occupancy and distance requirements, this can be a great fit with lower down payments than investment loans
✔️ Investment property loans – Traditional route, but you’ll need to qualify without relying heavily on short-term rental income upfront
✔️ DSCR (Debt Service Coverage Ratio) loans – A game changer for investors. These focus on the property’s income potential rather than your personal income
✔️ Non-QM programs – Designed for scenarios that don’t fit inside the conventional box, including unique income streams
The biggest mistake I see?
Buyers assume “the property will pay for itself” and expect financing to work the same way.
Sometimes it does.
Sometimes it needs a different approach.
If you’re thinking about buying a short-term rental, the strategy matters just as much as the property.
The right structure upfront can be the difference between a smooth closing and a deal that falls apart late in the game.
If you’re exploring this space and want to understand what’s actually possible, I’m always happy to talk through scenarios.

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MA

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Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00

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+19782707688

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