Contact Tim Kelly
An Equal Housing Lender | Highlands Residential Mortgage, Ltd is located at 12001 N. Central Expressway, Ste 750 – Dallas, TX 75243. | NMLS Identifier # 134871 www.nmlsconsumeraccess.org | A Texas Limited Liability Company registered under The Texas Department of Savings and Mortgage Lending Division of Licensing | Operating with the following licenses: AL Consumer Credit License #21266; AR Combination Mortgage Banker-Broker-Servicer License #109369; CA-DOC Residential Mortgage Lending Act License #4131240; CO Mortgage Company Registration; DC Mortgage Lender License #MLB134871; FL Mortgage Lender License #MLD968; GA Mortgage Lender License/Registration #37908; IA Mortgage Banker License #2018-0120; IL Residential Mortgage License #MB.6761013; IN-DFI Mortgage Lending License #30529; KS Mortgage Company License #MC.0025127; KY Mortgage Company License #MC390233; LA Residential Mortgage Lending License; MD Mortgage Lender License #06-20712; MI 1st Mortgage Broker/Lender/Servicer Registrant #FR0021650; MO Company License #16-2132; NC Mortgage Lender License #L-157614; NE Mortgage Banker License #NE134871; NM Mortgage Loan Company License; OH General Loan Law Certificate of Registration #GL.502014.000; OH Residential Mortgage Lending Act Certificate of Registration #MBMB.850279.000; OK Mortgage Broker License #MB002229; OK Mortgage Lender License #ML010007; SC-BFI Mortgage Lender / Servicer License #MLS – 134871; TN Mortgage License #115557; TX-SML Mortgage Banker Registration; VA Broker License #MC-5729; VA Lender License #MC-5729; WA Consumer Loan Company License #CL-134871. This is not an offer for extension of credit or a commitment to lend.
About Tim Kelly
Tim Kelly lives and works in Northern Virginia. He proudly serves the DC Metro area (VA, MD, and DC). If you need a pre-approval or quote Tim is available anytime; 7 days a week Tim will respond quickly and with accurate information. Tim Kelly was born in Syracuse, NY but didn’t stay there long. Growing up in a military family had Tim living all over the world from Germany to Tennessee. Finally in 1992 Tim and his family planted roots in Burke, VA. Once Tim moved to the DC Metro area he never left. From elementary school to college he stayed close to home. In fact when Tim was in college he got a job at the Restaurant across the street from his parent’s house. Luckily for Tim this is where he would meet the woman who would become his wife. They’ve been together for fourteen year and married in 2010. They now live in Reston, VA with their seven-year old shih Tzu, Cooper and their son who was born in December 2018. Some interesting facts about Tim you may not know: After high-school Tim used to moonlight as a stand-up comedian. He still can’t believe someone paid him to tell jokes once and neither can we!… (Just kidding : ) Tim played in the 2006 World Series of Poker’s Main Event. But he didn’t far well getting knock out on day-one. Tim ran the Marin Corps Marathon in 2015. Finishing with a torn tendon in his knee… ouch! Tim has never lived a day without a dog in his home and he doesn’t plan to end that streak anytime soon. Tim has held at least one first time home buyer class every month since 2013. Educating anyone willing to learn about the benefits and process of financing a home is his passion. Tim has been named one of the 40 under 40 mortgage professionals to watch. We’ve sure got our eyes on him! Tim has been among the Top 1% of Mortgage Originators in America since 2015. Tim Kelly brings more than a decade of customer service experience, including thirteen years dedicated to the mortgage industry, to Highlands Residential Mortgage as a Senior Mortgage Consultant. Since 2005, Tim has helped hundreds of individuals and families achieve the dream of home ownership. He takes the time to understand his clients’ financial situation in order to recommend the best mortgage with the lowest interest rate available. Whether you’re a first-time home buyer, interested in refinancing your current home, or a seasoned investor, Tim can help you obtain a mortgage to fit your unique situation. Loans that Tim and his team specialize in include: Conventional loans with as little as 3% down-payment FHA loans with as little as 3.5% down-payment USDA loans with as little as 0% down-payment VA loans with as little as 0% down-payment First time homebuyer mortgage programs Jumbo Loans with no mortgage insurance 5/1, 7/1, & 10/1 ARM’s on conforming and Jumbo loans Fannie Mae HomeReady & Freddie Mac Home Possible mortgages Down-payment assistance mortgage programs Cash-out refinance mortgages Debt consolidation loans Renovations loans Investment property loans Many believe that buying a home is the cornerstone of which you can build your wealth in United States. Throughout the mortgage lending process, Tim and his team will provide you with tools to understand your local real estate market and guide you through this financial investment. These tools include giving you, the borrower, insight into historic and projected home appreciation, housing inventory, affordability, and demand, and ultimately how to leverage your home purchase into the cornerstone of your wealth.