About Kelly Manderscheid
Kelly Manderscheid is an SVP of Mortgage Lending at Rate (NMLS #273420), based in Temecula, California, and serving homebuyers and homeowners across Riverside, San Diego, Orange and Los Angeles counties, and throughout California. She ranked #9 in the nation among Homes for Heroes lenders and earned her 11th consecutive spot-on Scotsman Guide's Top 500 Originators list, published in 2026. Over 28 years in mortgage lending, Kelly has guided more than 7,000 borrowers to the closing table. Her background is unusual for a loan officer: she came up through underwriting, escrow and closing documentation, so she knows exactly where a file breaks before it breaks. That's why her loans close on time when others don't. Kelly's real specialty is structure — knowing which program fits a borrower and how to get the file through. Self-employed and 1099 borrowers who've been turned down because their tax returns don't show their real income qualify through her bank statement and asset depletion programs. Real estate investors use her DSCR loans, which qualify on the property's rental income instead of personal tax returns. First-time buyers who think they need 20% down work with her on down payment assistance, including CalHFA, FHA DPA and local grant programs many originators never learn. She also handles physician and medical professional loans, VA, FHA, conventional, jumbo, USDA and new construction financing with national and privately held builders. She is licensed in 17 states: Alabama, Arkansas, Arizona, California, Colorado, Florida, Georgia, Illinois, Kansas, Kentucky, Missouri, Nevada, Ohio, Oklahoma, Tennessee, Texas and Virginia. Realtors, financial planners and CPAs send Kelly their clients because of what happens before the offer goes in. Problems surface at pre-approval, not in escrow — so borrowers know exactly where they stand while they still have options, and agents aren't scrambling to save a deal at day 25. Her clients have left more than 550 five-star reviews across Google, Zillow, Yelp and Facebook, including a perfect 5.0 across nearly 300 Google reviews.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 43053 Margarita Rd, Suite B107 Temecula CA, 92592
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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