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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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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

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 - Green Cove Springs, FL | Feb. 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 V.

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 V. 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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