About Kelsey
Proudly serving clients across CT, FL, MA, ME, NH, RI
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.
Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!
Borrower Testimonials
The smoothest transaction ydt, very little communication was needed Kelsey was on top of it
Kelsey was a pleasure to work with and explained the entire process with clarity and expertise
Kelsey was amazing the entire process! very communicative and always available to answer questions.
Working alongside Kelsey made for the smoothest transaction. Kelsey is a very clear communicator, allowing her thorough explanations of the homebuying process bring comfort to my first time homebuying clients in what can be a stressful time. Kelsey was on top of every deadline and even made it possible for my clients to close early. She was always ...
Kelsey was a pleasure to work with. We felt valued and appreciated every step of the way. Kelsey was always quick to find availability to answer any questions we had and took initiative to create videos for us in anticipation of questions several times throughout the homebuying process. I've heard nightmare stories from friends working with lenders...
Kelsey answered all of our questions and was so kind!! We are very grateful to have chosen Kelsey to help us through this process!
Kelsey took a situation that looked bleak, found a solution and we were able to successfully close. She explains things so well and you can tell she truly just cares . 10 out of 10.
Efficient and effective communication
Kelsey Rictor specially made it GREAT! She was extremely detailed, quick to respond and so supportive throughout this whole process.
Kelsey Rictor was amazing to work with. She answered every question we had without any hesitation and her responses were informative So that we were able to understand easily. Assured us that our interpretations were accurate. she was very quick to respond to us no matter what time of day we asked. An...
Kelsey and the team were so helpful throughout the entire home buying process. Their communication and knowledge took alot of stress out of everything. They made the process eel less daunting and I would highly recommend them to anyone looking for a loan to buy a home!
Kelsey was very accessible and always willing to answer questions and listen to our concerns. She did try her best at all times to fix anything within her power.
From the very moment we met Kelsey at her offices he was an absolute pleasure! Very friendly and knowledgeable and took the time to make us feel more like a friend than a client. Kelsey and her team will go out of their way to help you out even when difficult circumstances arise they were right on top of it. The entire experience with Kelsey and he...
Kelsey was awaesone she went above and Beyond to help us and answered any question we needed and was available at any point in time when we had our questions always got back to us and when we didn't understand anything she would fully explain it to us it was such a great experience working with her and I would love to work with her again in the fu...
Kelsey was on top of everything from the beginning, she went above and beyond what you would expect from a lender. She truly cares about her clients and it shows with how much she involves herself in the transaction beyond what is typically seen with a lender.
Kelsey was awesome to work with. Amazing communication and the whole process was stress free . 100% recommend kelsey and her team.
Kelsey was amazing, diligent, and made our home buying experience smooth. Kelsey went above and beyond our expectations and I will recommend her to anyone looking to have their minds at ease during this process.
Great communication! We worked through a few issues for a quick resolution and closed on time!
It was such a pleasure to work with Kelsey as first-time homebuyers! She was attentive, patient, and incredibly encouraging throughout the entire process. She shared helpful videos that clearly explained each step and broke down all of the numbers in a way we could easily understand. Kelsey answered every question, no matter the time of day, and ev...
Kelsey was very communicative and responsive to any and all questions i had.
This isn't my first time working alongside Kelsey, and I know it won't be my last. Kelsey works SO well with first time homebuyers. She communicates and breaks every little detail down to my clients so they are able to make their first home purchase feeling confident. Also, a lender that still shows up to the closing table? Amazing! Kelsey doesn't ...
Kelsey Made it great, plain and simple. She was absolutely fantastic to work with, helpful in explaining everything throughout the process and always keeping us up to date . Not for one second did we feel confused or left out of the loop.
We had such a great experience working with Kelsey buying our first house that we sought her out for buying our second. She was so responsive, friendly, and helpful throughout every step of the process, explained everything we had questions about, and got us to closing on time. We would recommend her to anyone!
We can’t say enough great things about working with Kelsey as our mortgage lender. From start to finish, she was everything we could have hoped for — attentive, caring, and genuinely invested in helping us through every step of the process. Whether it was over the phone or in person, Kelsey was always there, ready to answer any questions we had...