Best Home Loan Rates in Palm Bay Florida
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Want to Save on Your Mortgage?
Whether you’re a first-time buyer or want to refinance at a lower rate, we can help.
Kelley Financial Solutions offers powerful mortgage services that align with your personal and business goals and values. Big banks make mortgages confusing—so they can charge you more… We Don’t!
We are the experts in the industry, look no further.
At Kelley Financial Solutions, we believe that every client deserves a mortgage experience that’s not only efficient but also personalized. We are local to Palm Bay, Brevard County Florida, our team is dedicated to providing tailored financing solutions that align with your unique homeownership goals.
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We’re here to help you find the best rates and best mortgage options available.
Kelley Financial Solutions
Out of 5 stars
Overall rating out of 97 Google reviews
Kelley Financial Solutions has been amazing to work with! Their professionalism and willing to work on our short timeline was a huge plus. Travis and his team deserve a 10/10 and we will continue to work with them in the future! Thank you to Will LaValle from ReMAX in Orlando for the two of them completing the dream team!
I could not have successfully closed on my mortgage loan with the help, guidance and support from Travis Kelley! KFS really has your best interest in mind through the entire loan process. Excellent, timely responses to all my inquiries. I’m grateful and satisfied with the service received! I wholeheartedly recommend Travis and his team for your mortgage needs.
We had an amazing experience working with Taylor as our lender during the purchase of our new home. From start to finish, he was knowledgeable, responsive, and genuinely invested in making the process as smooth as possible. Taylor took the time to explain every step, answered all of our questions with patience, and made sure we always felt confident and informed. His professionalism and attention to detail gave us total peace of mind, and he consistently went above and beyond to ensure everything stayed on track. We couldn’t have asked for a better partner in this process. If you’re looking for someone who truly cares about his clients and delivers exceptional service, we highly recommend Taylor. Thank you, Taylor, for helping make our home-buying experience such a positive one!
Wonderful experience. Travis made this an easy process and was very responsive. Recommend him highly.
I am thrilled to share that I just finalized the purchase of my first home today! I truly couldn't have achieved this milestone without the exceptional support from Jarib and the amazing team at Kelley Financial Solutions. While only being 21 years old you can believe I had a question about everything. Every step of the way, Jarib exceeded my expectations—transforming what seemed like an insurmountable challenge into a reality. His unwavering commitment, deep expertise, and determination were unmatched. Communication throughout this journey was A+++. If you're in search of someone who genuinely cares about your needs and will go the extra mile to help you secure your dream home, look no further than Jarib. Thank you for turning my dream into reality.
This was so easy!!! We give it 10 🌟 Travis and the team handled everything and we REALLY appreciate them. We felt so taken care of! Thank you all!
Buying a home can be overwhelming but with Jarib Stout my agent’s expertise in the real estate made the journey easy. His ability to analyze the market condition and provide excellent advice helped me secure my dream home. Personalized my home buying process was simply amazing. He was incredible communicative with a strong negotiation skills. What a great experience. God bless 🙏
This was our second time working with Jarib. His knowledge and expertise gave us peace of mind and he continuously kept us in the loop on the next steps. We never felt like a bother with all of our questions and needs. Best of all, he’s saving us money!
Fantastic experience working with Travis and his team! I have been a licensed title agent in central Florida for over 26 years and closed thousands of transactions, and I can honestly say Travis was wonderful to work with from start to finish. He communicated thoroughly and timely and we knocked out 2 transactions in less than 30 days! I definitely recommend Travis as your go-to mortgage broker.
After months of trying to get things done with no success, working with Travis Kelley at Kelley Financial Solutions was an absolute game-changer. My husband and I were looking to secure a home equity loan for much-needed renovations, and Travis made it happen—quickly, professionally, and with a level of service that truly exceeded our expectations. From day one, Travis brought a can-do attitude and handled everything with efficiency and care. He was incredibly responsive, kept us in the loop every step of the way, and always took the time to explain things clearly and thoroughly. Thanks to Travis' expertise and persistence, we finally secured the loan we needed and can now move forward with improving our home. If you’re looking for a mortgage broker who is professional, proactive, and genuinely committed to getting results, we couldn’t recommend Travis more highly!
I just closed on my very first home today, and I couldn’t have done it without Travis and the amazing team at Kelley Financial Solutions. From start to finish, Travis went above and beyond — he made what felt impossible, possible. His dedication, knowledge, and commitment to getting the job done were unmatched. The communication throughout the process was excellent. He kept me informed, answered every question, and made me feel supported every step of the way. If you’re looking for someone who truly cares and will fight to get you into your home, Travis is your guy. Thank you for helping make this dream a reality! Til next house brother!
Kelley Financial Solutions
Best Home Loan Rates in Palm Bay Florida
As your local mortgage brokers, we are dedicated to offering the best opportunities for every potential homeowner or homebuyer. We offer various loan programs including down payment assistance options too. So what is a mortgage broker and why consider using one? A mortgage broker is a liaison officer or intermediary who helps homebuyers find the best mortgage and lender for their financial circumstances. Furthermore, a mortgage broker is an expert who can suggest loan options based on your financial situation. It can also save time as the legwork is done for you.
kfs@wearecleartoclose.com | 407-618-1176
Here are some tips to ensure you can find the Best Home Loan Rate In Palm Bay Florida
- Obtain Quotes Concurrently: Get all your Loan Estimates around the same day to ensure accurate comparisons, as market conditions fluctuate daily.
- Analyze the Annual Percentage Rate (APR): The APR reflects the interest rate plus other costs and fees associated with the loan, providing a more complete picture of the total cost than the interest rate alone.
- Improve Your Financial Profile: Lenders offer better rates to borrowers they perceive as less risky.
- Lower your Debt-to-Income (DTI) ratio: A lower DTI ratio indicates you can better manage monthly payments, making you eligible for more favorable terms.
- Improve your credit score: A strong credit score is a primary factor in securing the lowest possible rate.
- Consider a Mortgage Broker: Brokers are knowledgeable about the current market and can help identify which lenders are most likely to offer the best rates for your specific situation. KFS is your local mortgage broker – that does just that!
Here are some tips when looking at Loan Features and Options
- Shorter Loan Terms: Opting for a 15-year fixed mortgage instead of a 30-year often results in a lower interest rate, though the monthly payments will be higher.
- Buy Discount Points: You can pay a one-time fee at closing (known as discount points) to lower your ongoing interest rate. Each “point” generally costs 1% of the total loan amount.
- Consider an Adjustable-Rate Mortgage (ARM): While fixed-rate mortgages offer stability, an ARM might offer a lower initial interest rate for a set period, which could be beneficial if you plan to move or refinance before the rate adjusts.
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Brevard County Florida Home Loans
If you’re planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking for Palm Bay Florida Home Loans, you will find that this site is a complete resource full of useful information that will allow you to choose the mortgage program best suited to your financial needs.
Home Mortgages – Best Home Loan Rates in Palm Bay Florida
KFS makes it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the home loan you need for the home you want.
Helping Palm Bay Residents Needing A Home Mortgage
Did you know the early history of Palm Bay Florida? The Ais people, attracted to the mouth of Turkey Creek at the Indian River by freshwater springs, fish, oysters, and wildlife, are thought to have been the first inhabitants in the Palm Bay area.
The earliest place names for this area on early maps of the late 1700s were Turkey Creek, Elbow Creek and Crane Creek. An 1870 map of the Indian River by John Andrew Bostrom shows the area void of any settlements within about 15 miles of Turkey Creek. The first prominent European-American settler was John Tillman in the late 1870s. Tillman’s wharf marked the mouth of Turkey Creek at what became known as Palm Bay on the Indian River.
By the late 1880s, Tillman was operating a profitable orange and banana grove on the north shore of the creek. He had the most notable banana grove on the Indian River. Tillman’s wharf also attracted settlers, as it was a steamboat stop. In the mid-nineteenth century, there was a lumber operation, orange groves, and packing house. Growth was slow until the arrival of the railroad in 1894. Then goods were brought in and produce was shipped to market faster.
Today, the city is often referred to in four quadrants: Northwest, Northeast, Southwest, and Southeast, each containing multiple zip codes. The most urban area is in Northeast. The most rural area is in Southwest, containing an area called The Compound. This area is home to Bombardier Recreational Products. “The compound” area is primarily used by recreational off road vehicles and persons engaging in various recreational activities.