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Michael J Kelly

Michael J Kelly

Senior Loan Officer

4800 Meadows Rd, Suite 135, Lake Oswego, OR 97035
Own what matters
Own what matters

About Me

I believe that being a mortgage professional means more than financing homes. With more than 20+ years of financial experience, it’s about people, families, and relationships, based on trust and expertise. My #1 priority is to provide amazing service and communication throughout the transaction, so that every client is compelled to refer their friends and family.

Drawing on our vast knowledge and a variety of loan programs we’ve established long term relationships with strategic business partners and respect industry leaders. My team and I are committed to finding the loan that best suits each clients’ needs.

I am a native Oregonian and spent most of my years in Southeast Portland and the Colonia Heights area. After graduating from Concordia University, I started my career in Telcom, moving to San Francisco, Illinois and Upstate NY before moving back home, where I’ve been ever sense. Outside of work, you’ll find me hanging with my 2 English labs, Crosby and Wilson, playing ice hockey at the local rinks, spending time with my wife, two kids, and our niece

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Stuart G
Oct 16, 2023
Verified

Michael Kelly was great to work with. Very professional and worked quickly and efficiently.
Stuart
Oct 16, 2023
Verified

Michael had great communication and worked quickly and efficiently
Jordyn J
Oct 16, 2023
Verified

Michael Kelly & his team at Guild Mortgage provide the best service to clients and business partners. Consistent and clear communication from day one of connecting with the client to closing. Constant and clear communication is their best quality. Michael and the team ask questions to ensure the client is understanding all options and problem solving to get the client exactly what they need and want. I couldn’t ask for a better business partner to refer clients. When referring clients to Michael Kelly & Team I know they will get great customer service, unparalleled communication, variety of loan options and offerings as well as a loan officer that will continue to follow up and provide important information and updates well after the client has closed on their transaction. If your looking for a lender that will fight for you, has availability outside of “normal business hours” and cares about their clients… connect with Michael!
Jordyn
Oct 16, 2023
Verified

Michael Kelly & his team at Guild Mortgage provide the best service to clients and business partners. Consistent and clear communication from day one of connecting with the client to closing. Constant and clear communication is their best quality. Michael and the team ask questions to ensure the client is understanding all options and problem solving to get the client exactly what they need and want. I couldn’t ask for a better business partner to refer clients. When referring clients to Michael Kelly & Team I know they will get great customer service, unparalleled communication, variety of loan options and offerings as well as a loan officer that will continue to follow up and provide important information and updates well after the client has closed on their transaction.
Gregory
Oct 16, 2023
Verified

As always, a pleasant experience. Responsive, efficient and very communicative.
Aaron
Aug 12, 2022
Verified

We are so happy with our Guild Mortgage experience! Michael and is team are truly top notch professionals! It was so wonderful to have regular check-ins super prompt responses and the best customer service we could have hoped for! We really felt like Michael and his team had our backs and made the whole process really smooth!

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Awards

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Causes I'm
passionate about

causes
NMLS ID #130523
I am authorized to do business in the states of Arizona, Oregon and Washington. AZ BK#0018883; AZ BKBR# 0117159; AZ LO Lic.# 1020772; OR ML-176;