Best Home Loan Rates in Melbourne Florida
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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 Melbourne, 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 127 Google reviews
Travis Kelley and his team got me and my husband the best deal when purchasing our home. Travis and his team are very thorough and timely. We couldn’t be happier!! I highly recommend Kelley Financial Solutions for anyone looking to purchase a home!
We had an incredible experience working with Kelley Financial Solutions. From the very beginning, they were professional, responsive, knowledgeable, and genuinely committed to making the entire process as smooth as possible. Buying a home can be stressful, but their communication and attention to detail made a huge difference. They kept everyone informed, answered questions quickly, and went above and beyond to make sure everything stayed on track. Even when challenges came up, they were proactive, solution-oriented, and always focused on getting the deal to the closing table. As real estate professionals, we work with a lot of lenders, and we know how important a great lending partner is. This is someone we would absolutely recommend to our clients, friends, and family without hesitation.
Travis is the GOAT (Greatest Of All Time)! He is quick and helped me with all my last minute financing needs which ultimately secured my contract for my first ever home purchase. I honestly could not have done it without him. If you are in a competitive market, look no further than Kelley Financial Solutions!
Jarib Stout with Kelley Financial was a tremendous resource for us getting this. He was professional & thorough, always willing to answer questions and talk with us when we needed further information.
Travis is very knowledgeable and took the time to explain everything to us clearly and thoroughly. He was patient, professional, friendly, and generally helpful. We really appreciate his attention to detail and the time he took to answer all of our questions. He made the entire experience easy and stress-free, and we would definitely recommend Travis to others.
Kelley Financial Solutions
Best Home Loan Rates in Melbourne 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.
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Here are some tips to ensure you can find the Best Home Loan Rate In Melbourne 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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Melbourne 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 Melbourne 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 Melbourne 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 Melbourne Residents Needing A Home Mortgage
Did you know the early history of Melbourne Florida? Evidence for the presence of Paleo-Indians in the Melbourne area during the late Pleistocene epoch was uncovered during the 1920s. C. P. Singleton, a Harvard University zoologist, discovered the bones of a mammoth (Mammuthus columbi) on his property along Crane Creek, 1.5 miles (2.4 km) from Melbourne, and brought in Amherst College paleontologist Frederick B. Loomis to excavate the skeleton.
Loomis found a second elephant, with a “large, rough, flint instrument”[7] among fragments of the elephant’s ribs. Loomis found in the same stratum mammoth, mastodon, horse, ground sloth, tapir, peccary, camel, and saber-tooth cat bones, all extinct in Florida since the end of the Pleistocene 10,000–8,000 BCE. At a nearby site, a human rib and charcoal were found in association with Mylodon, Megalonyx, and Chlamytherium (ground sloth) teeth. A finely worked spear point found with these items may have been displaced from a later stratum.
Today, the city has the east–west street named Brevard Drive was historically the “center” of town, with addresses called “north” and “south” of this street. The north–south Babcock Street provided the same centerline for “east” and “west” directions.