headshot
headshot
Brian Kelly
VP of Mortgage Lending

I have been in the financial services industry for over 10 years and have been in the mortgage industry for 6+ years. I have been very fortunate over the course of my career to have worked with very talented, encouraging, and supportive colleagues. As a result, I am a multiple President’s Club Award winner, along with many other accolades over the years.

When I finally joined Guaranteed Rate as VP of Mortgage Lending, I immediately knew I was home. Our Core Values say it all - We put our customers first. We think big but grow for good. We work with the best of the best, we demand excellence out of ourselves, and hold ourselves accountable. And, my personal favorite core value, we give a sh!t!

I started in this business to legitimately help people, and I am absolutely ecstatic every day to be working for a company that has the same goals. This means, when you pick up the phone or send that email to me, I'm here to help answer every question and to walk you through what needs to be done. You'll find that this process is so easy because our goals are aligned. The most consistent compliments I receive are regarding my patience, promptness, and ability to listen and communicate effectively, without the use of industry jargon.

Prior to getting into the mortgage industry, I worked at my parents’ business in Middletown, New Jersey. I attended Rutgers University and graduated with a bachelor’s degree in Economics. In my free time, I love anything sports, travel, or leisure related. I also enjoy tackling projects in my own home!

Helpful tools and resources
Personal Loans
No-fee personal loans
First-time homebuyer’s guide logo
First-time homebuyer’s guide
Mortgage calculators logo
Mortgage calculators
Loan options logo
Loan options

Recent reviews

What people are saying
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Put our power behind your bid. Compete with cash offers and bid, buy, and close fast.
loading rates table

Loading Rates...

Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.