I am so thankful that my realtor recommended Kelly for my home financing. Not only did she get me a low rate, she closed my loan EARLY and I was able to move-in during the long weekend. I believe Kelly is honest and ethical - she helped me understand what I could afford and what I couldn't afford and as a first time home buyer, I could not be more grateful for her wealth of knowledge. I would definitely recommend Kelly to any and all first time home buyers!!