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Proudly serving clients across New Jersey, New York and Pennsylvania.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Kelly went above and beyond for me and getting me a mortgage for the first time and was so helpful through out the whole process! LaurenKeyport, NJ Sep 21
Kelly went above and beyond for me and getting me a mortgage for the first time and was so helpful through out the whole process!
Rating: 5.0 out of 5.0 from Encompass ⭐️ 5-Star Review for Kelly Kelly is an incredible loan officer who truly goes above and beyond for her clients. She helped my first-time homebuyer secure a grant, making homeownership possible even with limited funds. I absolutely love working with her—her ability to find solutions, make deals work, and get results is unmatched. If you want s... EddieKeyport, NJ Sep 21
⭐️ 5-Star Review for Kelly Kelly is an incredible loan officer who truly goes above and beyond for her clients. She helped my first-time homebuyer secure a grant, making homeownership possible even with limited funds. I absolutely love working with her—her ability to find solutions, make deals work, and get results is unmatched. If you want s...
Rating: 5.0 out of 5.0 from Encompass Kelly was always very responsive any time I had a question and explained everything to me in a way I could understand. Since this was my first time buying a home I was not only nervous but very unfamiliar with terminology and how things worked and Kelly made sure I knew and understood what was going on ... KrupaToms River, NJ Sep 17
Kelly was always very responsive any time I had a question and explained everything to me in a way I could understand. Since this was my first time buying a home I was not only nervous but very unfamiliar with terminology and how things worked and Kelly made sure I knew and understood what was going on ...
Rating: 5.0 out of 5.0 from Encompass is my go to Lender. She is always available.She provides amazing service to my clients through her professionalism and her programs through Annie Mac. Jennifer B.Franklin Lakes, NJ Sep 09
is my go to Lender. She is always available.She provides amazing service to my clients through her professionalism and her programs through Annie Mac.
Rating: 5.0 out of 5.0 from Encompass Kelly and her team were always quick to respond to any questions or requests we had throughout the entire process of applying for our loan. SoniaToms River, NJ Sep 07
Kelly and her team were always quick to respond to any questions or requests we had throughout the entire process of applying for our loan.
Rating: 4.8 out of 5.0 from Encompass we had a fast closing and everyone worked quickly and efficiently woth with communication to accomplish it me and my wife were new to this process being our first home and we can't thank you all enough JosephSouth Amboy, NJ Sep 03
we had a fast closing and everyone worked quickly and efficiently woth with communication to accomplish it me and my wife were new to this process being our first home and we can't thank you all enough
Rating: 5.0 out of 5.0 from Encompass Getting our mortgage with Kelly and AnnieMac Home Mortgage was a very smooth and easy process. They always answered our questions, addressed our concerns, and guided us through every step of the process with great patience. They made us feel confident, supported, and reassured throughout the entire experience. MariaBedminster, NJ Aug 24
Getting our mortgage with Kelly and AnnieMac Home Mortgage was a very smooth and easy process. They always answered our questions, addressed our concerns, and guided us through every step of the process with great patience. They made us feel confident, supported, and reassured throughout the entire experience.
Rating: 5.0 out of 5.0 from Encompass Kelly was an incredible loan officer throughout our entire home-buying process. From the very first day we contacted her through a great recommendation, she was always attentive, responsive, and genuinely committed to helping us every step of the way. She and her entire team were always available whenever we had questions about the numbers, paperwo... MateoBedminster, NJ Aug 24
Kelly was an incredible loan officer throughout our entire home-buying process. From the very first day we contacted her through a great recommendation, she was always attentive, responsive, and genuinely committed to helping us every step of the way. She and her entire team were always available whenever we had questions about the numbers, paperwo...
Rating: 5.0 out of 5.0 from Encompass This transaction was a tough one! We had been outbid and needed a new letter within the next hour. Kelly had it over in 5 minutes. We also had a job change mid transaction, which Kelly handled with grace leading us to be able to close. Go Kelly! GavinJackson, NJ Aug 23
This transaction was a tough one! We had been outbid and needed a new letter within the next hour. Kelly had it over in 5 minutes. We also had a job change mid transaction, which Kelly handled with grace leading us to be able to close. Go Kelly!
Rating: 4.8 out of 5.0 from Encompass Kelly was very responsive and responded to all my questions in short time. ShreeshaBasking Ridge, NJ Aug 21
Kelly was very responsive and responded to all my questions in short time.
Rating: 5.0 out of 5.0 from Encompass Kelly was wonderful to work with! She was responsive, knowledgeable, and made the entire process seamless for my buyer. I truly appreciated her communication and dedication throughout the transaction. I look forward to working with her again! MichelleBedminster, NJ Aug 20
Kelly was wonderful to work with! She was responsive, knowledgeable, and made the entire process seamless for my buyer. I truly appreciated her communication and dedication throughout the transaction. I look forward to working with her again!
Rating: 5.0 out of 5.0 from Zillow My husband and I were first time home buyers. Kelly took the time to meet with us and explain the process as well as answer all of our questions. She was always available by phone or email throughout the process with a quick answer. Our loan closed on time and we didn't have any issues. We couldn't be more happy with Kelly and the Weichert team... Zuser20161024064742710Washington Township, NJ Aug 19
My husband and I were first time home buyers. Kelly took the time to meet with us and explain the process as well as answer all of our questions. She was always available by phone or email throughout the process with a quick answer. Our loan closed on time and we didn't have any issues. We couldn't be more happy with Kelly and the Weichert team...
Rating: 5.0 out of 5.0 from Encompass Kelly Had to go above and beyond to get this done. Even with deed restrictions and so many speed bumps. Once Kelly figured those out, we were able to get this closed in less than 3 weeks!!. KunalSewaren, NJ Aug 17
Kelly Had to go above and beyond to get this done. Even with deed restrictions and so many speed bumps. Once Kelly figured those out, we were able to get this closed in less than 3 weeks!!.
Rating: 5.0 out of 5.0 from Encompass Amazing experience SandeepLong Branch, NJ Jul 16
Amazing experience
Rating: 5.0 out of 5.0 from Encompass Kelly is absolutely amazing to work with! She is responsive, quick and very knowledgeable. She makes understanding the process and different programs offered to different clients seemless. TiffanyBurlington, NJ Jul 16
Kelly is absolutely amazing to work with! She is responsive, quick and very knowledgeable. She makes understanding the process and different programs offered to different clients seemless.
Rating: 5.0 out of 5.0 from Encompass Kelly is great, very responsive, very thorough with explanations and dealing with the countless questions I have had! NicholasToms River, NJ Jul 06
Kelly is great, very responsive, very thorough with explanations and dealing with the countless questions I have had!
Rating: 5.0 out of 5.0 from Encompass Communication communication communication!! So pleased with the consistency in communication and patience in explaining every step. Thank you so much!! MajlindaCranford, NJ Jun 15
Communication communication communication!! So pleased with the consistency in communication and patience in explaining every step. Thank you so much!!
Rating: 5.0 out of 5.0 from Encompass Everything went smoothly, Kelly and her team were responsive. HuiMorris Plains, NJ May 31
Everything went smoothly, Kelly and her team were responsive.
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