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I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Rating: 5.0 out of 5.0 from Encompass I had a great experience with Kelly and the rest of the team. They're all pleasant and very helpful in everything that I needed during this process from the start til the end. I will highly recommend you to all my friends. Thank you so much and I appreciate you all! AllanBeachwood, NJ May 04
I had a great experience with Kelly and the rest of the team. They're all pleasant and very helpful in everything that I needed during this process from the start til the end. I will highly recommend you to all my friends. Thank you so much and I appreciate you all!
Rating: 5.0 out of 5.0 from Encompass Kelly is absolutely amazing to work with! She consistently puts my clients at ease and makes the entire lending process feel smooth and stress-free. Her communication, professionalism, and attention to detail truly set her apart. I always know my clients are in great hands with her! DeidreBeachwood, NJ Apr 29
Kelly is absolutely amazing to work with! She consistently puts my clients at ease and makes the entire lending process feel smooth and stress-free. Her communication, professionalism, and attention to detail truly set her apart. I always know my clients are in great hands with her!
Rating: 5.0 out of 5.0 from Encompass Kelly was so helpful and wonderful . We appreciate her so much MichelleToms River, NJ Apr 27
Kelly was so helpful and wonderful . We appreciate her so much
Rating: 5.0 out of 5.0 from Encompass this was our second refi with Kelly and her team both times everything went smoothly and we are extremely happy! Matthew AnthonyRingwood, NJ Mar 24
this was our second refi with Kelly and her team both times everything went smoothly and we are extremely happy!
Rating: 5.0 out of 5.0 from Encompass This was the dirst first purchase I made on my own and every single person involved was pleasant and helpful and available any time i I needed them. The entire team made this easy and understandable for me. DanielleMount Arlington, NJ Mar 17
This was the dirst first purchase I made on my own and every single person involved was pleasant and helpful and available any time i I needed them. The entire team made this easy and understandable for me.
Rating: 5.0 out of 5.0 from Zillow I had an opportunity to work with kelly for my first home and it has been a smooth and great experience. She is very helpful and strong in her subject RahulLivingston, NJ Mar 02
I had an opportunity to work with kelly for my first home and it has been a smooth and great experience. She is very helpful and strong in her subject
Rating: 5.0 out of 5.0 from Encompass quick and seamless transaction MarlaJackson, NJ Feb 17
quick and seamless transaction
Rating: 5.0 out of 5.0 from Encompass Kelly is the best! She help make our dream a reality and we couldn't be more thankful! LeviJackson, NJ Feb 16
Kelly is the best! She help make our dream a reality and we couldn't be more thankful!
Rating: 5.0 out of 5.0 from Encompass Kelly made every effort to move the deal forward while keeping my clients fully informed. Buying a home can be daunting, and she ensured the process was seamless. GavinManchester, NJ Feb 06
Kelly made every effort to move the deal forward while keeping my clients fully informed. Buying a home can be daunting, and she ensured the process was seamless.
Rating: 5.0 out of 5.0 from Encompass Very quick responses WajihaEast Windsor, NJ Jan 13
Very quick responses
Rating: 5.0 out of 5.0 from Encompass Everyone was very responsive and helped get the process completed quickly and on time for closing AlexanderBerkeley Heights, NJ Jan 06
Everyone was very responsive and helped get the process completed quickly and on time for closing
Rating: 5.0 out of 5.0 from Encompass Kelly is amazing as a lender, walks her clients through every step of the lending process. No hidden fees or charges and ensure she gets the best rates a s packages for her clients. NicholasLincoln Park, NJ Dec 31
Kelly is amazing as a lender, walks her clients through every step of the lending process. No hidden fees or charges and ensure she gets the best rates a s packages for her clients.
Rating: 5.0 out of 5.0 from Encompass Kelly was amazing, so easy to work with, and helped guide us through the experience without any friction. DharinTowaco, NJ Nov 26
Kelly was amazing, so easy to work with, and helped guide us through the experience without any friction.
Rating: 5.0 out of 5.0 from Encompass Kelly is amazing at what she does. She is on top of any problem that comes up and knows exactly how to handle any situation. Highly recommend! DylanLake Hiawatha, NJ Nov 18
Kelly is amazing at what she does. She is on top of any problem that comes up and knows exactly how to handle any situation. Highly recommend!
Rating: 5.0 out of 5.0 from Encompass Kelly and her team were great , informative and very responsive when I had questions and amazing throughout the whole process . ToddWhippany, NJ Nov 04
Kelly and her team were great , informative and very responsive when I had questions and amazing throughout the whole process .
Rating: 5.0 out of 5.0 from Encompass Kelly was a total rockstar throughout my client’s homebuying process! We were working with a tight timeline, and Kelly didn’t just meet the deadline—she made it feel easy. Her communication was clear, consistent, and proactive from start to finish, which made a huge difference for both me and my clients. It’s such a gift to work with a lend... SonjaBasking Ridge, NJ Oct 21
Kelly was a total rockstar throughout my client’s homebuying process! We were working with a tight timeline, and Kelly didn’t just meet the deadline—she made it feel easy. Her communication was clear, consistent, and proactive from start to finish, which made a huge difference for both me and my clients. It’s such a gift to work with a lend...
Rating: 5.0 out of 5.0 from Encompass fast assistance MahmoudColonia, NJ Oct 17
fast assistance
Rating: 5.0 out of 5.0 from Encompass Kelly went above and beyond helping us as first time homeowners from picking the best loan type to readjusting our interest rate after our delayed closing. She was always available and quick to respond! Thank you Kelly!! Autumn AmberPort Monmouth, NJ Oct 16
Kelly went above and beyond helping us as first time homeowners from picking the best loan type to readjusting our interest rate after our delayed closing. She was always available and quick to respond! Thank you Kelly!!
Rating: 5.0 out of 5.0 from Encompass Kelly McHale was amazing! Her communication and resources made a huge difference, even finding someone who spoke my client’s native language. She stayed patient through endless calls and emails, supporting us over a year of working with my client. Truly outstanding service! KathleenRahway, NJ Oct 07
Kelly McHale was amazing! Her communication and resources made a huge difference, even finding someone who spoke my client’s native language. She stayed patient through endless calls and emails, supporting us over a year of working with my client. Truly outstanding service!
Rating: 5.0 out of 5.0 from Encompass Kelly was easy to reach and a pleasure to work with. She was very professional and went above and beyond to make sure we got the best servicd possible. CarlVernon, NJ Sep 16
Kelly was easy to reach and a pleasure to work with. She was very professional and went above and beyond to make sure we got the best servicd possible.
Rating: 5.0 out of 5.0 from Encompass Kelly was extremely responsive to all my needs and questions - as difficult as the process was, she did everything in her power to make everything easier. Would definitely recommend Kelly! AndrewMorristown, NJ Aug 28
Kelly was extremely responsive to all my needs and questions - as difficult as the process was, she did everything in her power to make everything easier. Would definitely recommend Kelly!
Rating: 5.0 out of 5.0 from Encompass Kelly was always willing to work with me to obtain important documents and was always pleasant and professional. I would highly recommend her services to any potential client. DeborahGreat Meadows, NJ Aug 23
Kelly was always willing to work with me to obtain important documents and was always pleasant and professional. I would highly recommend her services to any potential client.
Rating: 5.0 out of 5.0 from Encompass Kelly made the whole transacion very easy and answered all issues promptly WilliamMorristown, NJ Aug 16
Kelly made the whole transacion very easy and answered all issues promptly
Rating: 5.0 out of 5.0 from Encompass The entire team was responsive and and always available when we needed them. AndrewHowell, NJ Aug 11
The entire team was responsive and and always available when we needed them.