Erica Kelley
Senior Mortgage Banker | NMLS# 1257333
Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations and milestones. Home buyers come through our door starting somewhere different all the time, but the journey will always en... Show More
Location & Business Hours
Business Hours
Tues
8:30 AM to 5 PM
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
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Reviews from Web
Erica put in many many hours of hard work working with us trying to get approved and me and my spouse got our dream home in the end and we will be forever appreciative of Erica Kelly and the Flat branch home loan team.
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Reply from Erica Kelley
May 11th, 2026 03:43 PM
Thank you Brock! That means the world to me that you trusted me with your First Time Home Buying experience! I can't wait to hear about all the wonderful memories you and Gracie will make!
The team did a great job of pivoting closing dates at the last minute. It was stressful but we were able to get it done
Reply from Erica Kelley
March 24th, 2026 01:20 PM
We were glad we were able to accommodate the changes. Thank you for allowing us to serve your family!
Friendly, knowledgable and responsive.
Reply from Erica Kelley
March 13th, 2026 01:26 PM
You are one of the best John! I love working with you and your clients love you to because you are always calm and positive! I can’t wait to serve again with you:)
Anytime I had questions, Erica was always reachable and always helpful. She worked for us and went out of her way multiple times to make sure we got the information we needed! I would recommend her to anyone, she had the knowledge to make a...
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Reply from Erica Kelley
March 13th, 2026 01:27 PM
It was such a pleasure to serve your family Dustin!
You stayed positive and focused the entire process and it was a joy to help you as a first time homebuyer! Wishing you many happy memories in your home!
Erica Kelley has received a review with 5 star rating from Dustin P
Reply from Erica Kelley
March 24th, 2026 01:17 PM
Thank you Dustin!
I had an outstanding experience working with this mortgage team from start to finish. The entire process was organized, transparent, and efficient. Every step—pre-approval, underwriting, and closing—was clearly explained, and I always knew...
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Reply from Erica Kelley
March 9th, 2026 02:33 PM
Thank you for sharing your positive experience, Charles. It's gratifying to know that the process was clear and efficient for you from beginning to end. Keeping communication open and addressing any potential issues proactively are aspects...
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Erica Kelley has received a review with 5 star rating from Charles P
Reply from Erica Kelley
March 13th, 2026 01:27 PM
Thank you Charles!
Very smooth process
Reply from Erica Kelley
March 5th, 2026 04:31 PM
I'm glad to hear that the process was smooth for you, Richard. Ensuring a seamless experience is important to me. If you have any questions or need further assistance, feel free to reach out.
We are not first-time homebuyers, so we've been through the loan process before, but working with Erica Kelley at Flat Branch Home Loans has been, by far, our best experience yet. From the very beginning, Erica stood out for her professionalism,...
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Reply from Erica Kelley
February 20th, 2026 10:25 PM
It is always such a pleasure to work with you and Richard and the extended family:) You make it easy on me and i am always here for you!
We are not first-time homebuyers, so we've been through the loan process before—but working with Erica Kelley at Flat Branch Home Loans has been, by far, our best experience yet. From the very beginning, Erica stood out for her professionalism,...
read more
Reply from Erica Kelley
March 13th, 2026 01:28 PM
You know you are one of my favorites:) I love being your go to call for all of your mortgage needs:) Thank you!!
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About
Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations and milestones. Home buyers come through our door starting somewhere different all the time, but the journey will always end at the home you’ve been working hard for. All of our products are designed with you alongside, so your loan will be shaped perfectly for your wants and needs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Specialities
Primary Home Loans, Second Home Loans, Investment Properties, 1-4 Unit Properties, Conventional, FHA, VA, USDA, THDA, First Time Home Buyers Loans
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Positions
- Flat Branch Home Loans - Senior Mortgage Banker
Memberships
- None
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2015
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 1257333
Gallery
Hobbies
- Mom Life, Lover of all things Jesus, Good Italian Food, Hiking, Camping, Beaching
Disclaimer
NMLS# 224149