Loans 101

Many people dream of owning a home, but they get bogged down in their own self-talk about how that dream is impossible. Rates seem too high. They can’t afford the down payment. They don’t have perfect credit. If this describes you, here’s a little gift from Kelly Community called HOPE 100. HOPE stands for HomeRead More »Start Your Dream of Home Ownership with HOPE

There are a lot of great reasons to buy an older home. Sometimes they are more affordable. They have charm and character. And if you believe Chip and Joanna Gaines, there is always some hidden wall with shiplap somewhere near the kitchen. But before you buy an older home, there are a few potential redRead More »Top Issues to Look for When Buying an Older Home

Summer sure is a lot more fun with “accessories,” isn’t it? Yes, it’s fun to hang out at Lake Tyler, but a boat or jet ski adds adventure. Or, maybe you’re ready to get away from Smith County for a while – perhaps in an RV or on a vacation. Kelly Community has a loanRead More »Boats, RVs and Vacations Oh My!

When shopping for a home, you may have heard it said the most important thing is “location, location, location.” That is vitally important, but these days, so “price, price, price.” One of the biggest factors of price is your mortgage loan. Fixed and adjustable rate (or ARM) mortgages both have potential benefits, but they usuallyRead More »What’s the Difference Between Fixed and Adjustable Rate Mortgages (ARMs)?

To say the home-buying market has been a roller coaster the last year or so is an understatement. While the buyer’s market has a lot less competition today than pandemic-era heights, the overall housing shortage and mortgage interest rate situation persists and presents unique challenges. Spring is traditionally the busiest time of the year forRead More »Home Buying Tips for Today’s Unique Housing Market