About Brian Kelly
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 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!
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.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 350 Main Road, Suite 203 Montville NJ, 07045
*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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