About Chris Kelso
Chris Kelso is a seasoned mortgage professional with over 25 years of experience, known for his passion for education and his commitment to creating raving fans through exceptional service. Originally from Peoria, Illinois, Chris spent 26 years living in Mexico before establishing a successful career in the United States. Before entering the mortgage industry, Chris built a strong foundation in IT and business development, working in sales and distribution for major companies including Alliance Data Corp, Hewlett Packard, Computer Associates, and MYDSA. This diverse background shaped his innovative, strategic, and results-driven approach to helping clients navigate the home financing process. Outside of his professional life, Chris is an avid sports enthusiast and poker player who values family above all. He is a proud father of two—one attending the University of Arizona and the other a starting wide receiver/defensive back at Tompkins High School. He also enjoys maintaining a healthy, stress-free lifestyle alongside his supportive and inspiring girlfriend. Guided by a strong sense of integrity, Chris lives by the principle: "Do the right thing every time, even when no one is looking." He is also the co-founder and co-host of the Real Estate Rat Pack Show, a long-running radio and podcast platform dedicated to real estate education, which has been on air for over 12 years.
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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 2603 Augusta Drive, Suite 420 Houston TX, 77057
*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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