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John V. Kelly, III

Regional Sales Manager
15851 N. Dallas Pkwy, Suite 205, Addison, TX 75001
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NMLS: 422477
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TestimonialsCustomer testimonials Read more

The whole team, led by John Kelly, were always available and very helpful. Thank you for such a smooth experience!

Lucy A. | 7/24/2017

John Kelly and his team were wonderful and stayed on top of what was needed to move our loan through

Susan H. | 7/18/2017

John Kelly and his team were super professional and easy to work with. He went the extra mile and worked with me for a year until I finally found the home I wanted. I felt very safe and secure while he and his team worked on my behalf to get my loan processed! Thank you!

Amy K. | 6/21/2017

No one does it better than the John Kelley team! Have worked with John on multiple occasions and never have we been treated this good.

Paul & Kandice P. | 6/7/2017

John Kelly and team were awesome. My loan situation was complicated with unusual salary and career changes but John helped me hone in on my target and I got the loan I needed!

Erika P. | 6/26/2017

John and his team did a great job as usual! They are the best at making the process as smooth as possible and excellent at finding solutions for any kind of issues.

Trace H. | 6/1/2017

We are so happy we used Guaranteed Rate for our mortgage loan. We were extremely satisfied with the customer service and how fast they processed our loan. They answered all our questions via email/phone within minutes. John and the team were amazing. We will recommend this company to any of our family or friends who are seeking a mortgage loan.

Kaitlin M. | 5/15/2017

John Kelly and his group were very patient with an old guy who had not purchased a home in over 18 years...some things have definitely changed...but they walked me through each step, and provided options to submitting the requested information. I really appreciated the time they spent explaining and working with me. Great group to work with! Thanks!

John A. | 5/19/2017

I wasn't expecting to buy a house but i found one i liked and was able to close with guaranteed rate in one month thanks for all the hard work

Richard M. || 4/28/2017

John and LA are the super duo, best in the business!!!

Anthony B. || 4/4/2017

Guaranteed Rate was prompt and professional with my loan application, the process was smooth and easy

Phillip D. | 3/21/2017

The entire process of obtaining the loan was seamless and did not disrupt my work schedule. Our loan officer and his team kept us up to date on developments and were able to meet our deadline. The closing process was complicated and delayed multiple times due to the sellers, but John and his team were helpful and responsive to all inquiries. I'd highly recommend Guaranteed Rate!

Bradley L. | 3/13/2017

John was really supportive from the start and predicted what his Guaranteed team delivered ---closing in three weeks. My wife and I are happy clients.

David R. | 3/10/2017

John and his team were an absolute joy to work with. Even when we hit a snag in our process, John worked tirelessly to find a solution. We couldn't be happier with how everything ended up. I felt we closed in a timely manner. I would recommend John and his team to anyone looking to purchase or refinance their home. Good work guys!

Aaron B. | 2/28/2017

John is a rockstar.... I will use him again.

James S. | 3/3/2017

John Kelly was a delight and worked incredibly hard to get us to close before Christmas...not an easy feat. I would use him again, and again and again.

Robert Z. | 12/23/2016

John Kelly and LA Silvers were awesome to work with and the process flowed smoothly for a complicated industry!

Jeffery R. | 12/30/2016

Thank you to John Kelly and the entire Guaranteed Rate team. It was truly a pleasure securing our home loan with Guaranteed Rate. From the use of the portal for loading required documents to the constant updates from John and his team, the process was super easy. To go from signing loan documents to closing the loan in less than three weeks was nothing short of miraculous. I highly recommend Guaranteed Rate.

Bradley B. | 11/17/2016

John Kelly and his entire team were most helpful and excellent to work with! Everything was handled in a precise manner and they were quick to answer any of our questions and help guide us through the entire process.

Robert S. | November 2016

John Kelly was incredibly helpful!

Dale H. | November 2016

Such an excellent service, its really hard to put in words. Our situation was little bit complex. John not only knew the best on how to work out this type of situation, his team including Angela Dancisak and Juliet Dillon worked so hard, promptly and professionally to complete the loan process in such a short time frame, we couldn't have asked for more. Without hesitation, meeting John V. Kelly, III at Guaranteed Rate was among the best thing that happened to us during our home purchase, second...

Ramesh & Indira | November 2016

The checklist feature made things easy. The Guaranteed Rate team prodded me to get my documents completed with the right touch. I will be happy to recommend Guaranteed Rate going forward.

Fred H.

I don't even know where to begin; from the meet and greet untill closing, John and his staff truly delivered excellent service. Making the home purchase simple and easy. Once again THANK YOU for everything!!!

Sung P.

We are very satisfied with our experience with guaranteed rate! John Kelly and his team worked very hard for us and understood our needs and how to get the job done. We highly recommend and look forward to doing businesses with guaranteed rate again.

Mike & Selah

This was my 2nd time doing business with Mr. John Kelly. He and his staff were very professional, quick, and friendly. Communication was the best part of this transaction. They were on top of everything. I would like to rate A+ to Mr. John Kelly and Guaranteed Rate.

Sandeep S.

Mr. Kelly is always a pleasure to work with. He is very attentive to our needs and requests and we appreciate his hard work. With him, we know that we are getting the best rates. The fact that he treats us as valued clients and not just another source for making some financial benefit is very important to us. We look forward to doing business with him if the opportunity arises.

Hanna K.

Over two decades of doing business with John Kelly has once again been justified. He and his staff performed with perfection. The paperwork was reasonable and the execution was flawless. We made a request at the last minute to close early and the team at Guaranteed Rate made it happen. We look forward to closing the next deal with John Kelly when we find another investment property!

Stuart R.

John Kelly made our new home purchase an enjoyable experience. We've never had a loan officer express that much knowledge and expertise in all of our years of home purchases and refinancing. We will definitely be coming back and be telling our friends and colleges about John and Guaranteed Rate!

David and Christine M.

What a seamless successful closing. From the moment of application to funding.. I was always informed. Nice job!

Mari P. – 6/8/2016

John Kelly and team did an amazing job in hitting very aggressive deadlines for me to close on a fairly complex Jumbo loan. Well done team!

Lindsay J. – 5/27/2016

Thank you for all your help with our mortgage on our new home. We are very happy with the level of support you gave us and really appreciate you coming to the closing.

John M. – 5/3/2016

Guaranteed Rate made the entire process smooth and easy. John and his team did a great job. Thank you for all your help.

Jesse A. – 4/27/2016

Guaranteed Rate's execution was flawless. They locked in a competitive rate and provided excellent communication throughout the entire process. This is my second home loan through John Kelly's team and would without question recommend them.

William S. – 4/15/2016

John Kelly and his team went above and beyond to make sure everything went smoothly, even in the face of my very complex situation. Couldn't ask for a better experience

David M. – 3/30/2016

From pre-approval to closing, we received personal, expert assistance in financing our new home. Every person who helped us through the process was professional and knowledgeable. I would highly recommend Guaranteed Rate to anyone seeking a home loan!

Elizabeth G. – 2/24/2016

Outstanding experience! Loan closing was on time and under budget. This is the 5th home we have bought working with John Kelly. Excellent service and setting and exceeding expectations as we went through the process. You don't maintain relationships over that long of a time without being able to consistently deliver the expected results. We will continue to recommend John to our friends with mortgage needs.

Daniel K. – 1/29/2016

Guaranteed Rate made my home purchase process as easy as can be. Mr. John Kelly was an absolute pleasure to work with. He was always available when needed, and is definitely a man of his words. His team and staff were on point, courteous and extremely professional. They were able to deliver exactly what we wanted and we appreciate that very much. I would definitely recommend Guaranteed Rate to friends and family, and will surely use their services for any future home purchases. Thank you.

Nourah A.

About John

I entered the mortgage business as a loan officer upon graduation from college. Although I enjoy working with clients around the country my primary focus is the Texas market. I have a passion for the business in the technical sense so that my clients can depend on my guidance through the mortgage process.

John interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
Early in life I knew my career would involve real estate and with a degree in Real Estate and Finance it came together quickly for me.
Who is your typical customer and what questions do they typically have?
My business and clientele is primarily referral based and includes Realtors, Homebuilders, CPA and Financial Planners. A large percentage of my client/borrowers have used my services more than once and now I have the privilege of providing mortgage services for their children purchasing a first home.
What specific steps do you use to help your customers find the best home loan for them?
The best home loan result for a client is focused on prudent mortgage planning. Buying or selling a family home is a great time to rebalance your financial statement. It's also important to consider various taxable events, future cash and cash flow requirements as well as the restrictions imposed on Texas homeowners by the state Constitution.
How long have you been in the mortgage business? What awards have you won?
August 1983 was my first year in the mortgage business as a loan officer and within a couple of years I earned multiple awards for high productivity and loan volume. I've enjoyed many awards over the years having closed more than 10,000 loans career to date. My most recent awards include the Five Star Mortgage Professional for 2014 and 2016
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
I think the Pros and Cons are obvious and prefer to address the client's needs and communicate those needs rationally. A fixed rate loan is often the default choice and more commonly, the more expensive selection since the client may be paying a higher interest rate for coverage/protection from rate fluctuations longer than is necessary.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I've had more than a few over the years including the translation of documents for Foreign National clients, meeting clients in person on holidays at the airport due to time constraints, and hiring service providers to obtain legal documents in distant courthouses to get to the finish line/closing on time.
What advice would you give new or first time home buyers?
Web based research certainly has it's place however it's no substitute a face to face interview or conference call with an experience mortgage professional. Plan ahead, prepare your documentation well, and ask questions. I prefer an engaged client that understands the entire process and recognizes the service level I provide. I am very grateful for the testimonials on my website many of which are from first time home buyers.
Tell us about a mortgage product that consumers may not be aware of?
There are several that come to mind including many financing options for the retired client borrower making a home purchase. This is a specialty I have developed and I find this very satisfying. I think a purchase transaction with the renovation loan is of high value in the Texas market as well.
How has the mortgage industry changed since you started, and what would you expect in the future?
The short answer would be technology and Guaranteed Rate is the leader. With technology comes efficiency and a greater level of information. Clients are pleased with the accuracy afforded in the upgraded regulations which is driven by our superior technological platform, Digital Mortgage.
What part of the home loan process do customers find most difficult and how do you help them through it?
Once a client has qualified the most challenging area is collecting the credit documentation without information gaps such as missing tax forms/pages or missing pages of bank statements. Many client are also assembling funds for the down payment and the source of these funds must be "eligible" as they are moved into position for closing.
What are the top 3 misconceptions people have about the home loan process?
# 1 - Furnishing most of the credit documents should be enough for approval. # 2 - Large down payments should buyout the need to prove qualifying income. # 3 - Vendor services including appraisers will perform in 48 hours.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
There are many and I only recommend my Guaranteed Rate Mobile App!
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
The Guaranteed Rate website provides expert guidance and expertise for most any topic you can imagine. Spending a few minutes on the topics you are not familiar with or don't fully understand will be time well spent.
What can borrowers do to insure a smooth mortgage underwriting process?
Recognize that you may be asked for additional information once the file reviewed has been completed by the underwriting team. A well prepared file will keep the later requests to a minimum. The information requested is not personal in nature but required from a compliance standpoint to meet investor or regulatory guidelines.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
We recently adopted a rescue puppy from our local animal shelter and after a few weeks of training everyone is so happy! Great pets will change your life for the better. My wife Cari and I enjoy culinary tours and cooking schools for vacations and I am a sports car fanatic by most standards.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a memory for numbers including zip codes, phone numbers, and any number of other oddities but perhaps a blessing. I enjoy music and mostly classic rock and have attended hundreds of concerts. Studied music including piano, drums, and guitar, and wish I'd kept up with any of them.

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