
Kelly Frey
Loan Officer | NMLS # 220095

Founded in 1986, HomeTrust Mortgage Company is a non-depository mortgage bank that offers an extensive suite of exceptional loan programs. Our in-house processing, underwriting, and closing departments ensure our customers receive the best ... Show More
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good communication
Great communication and answered all of our questions
She was always there for me, even when I felt like giving up. I could text or email her any time, and even call her as well. Sbe was always kind and understanding, and always ready to help.
Reply from Kelly Frey
July 27th, 2026 05:18 PM
Thank you, Adriana! You were a pleasure to work with, and I am so excited for you and your family!
Kelly was very supportive, communicated well and made the whol e process smooth and stress free!
Kelly was professional, understanding, patient and she advocates for her clients. I felt comfortable throughout the entire process.
Kelly was awesome! If I had any questions or concerns she answered them immediately and kept me on task. Kelly is extremely knowledgeable.
Reply from Kelly Frey
August 2nd, 2025 12:57 AM
Thank you Gloria!
Thanks Kelly! Weve been so grateful for your responsiveness and guidance.
Reply from Kelly Frey
August 2nd, 2025 12:57 AM
Thank you Delaney!
Kelly always seemed one step ahead and was particularly helpful with the details that required covering, as our transaction took place without the services of a realtor. Always cheerful and well-informed, answering every question in a timely...
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Reply from Kelly Frey
June 13th, 2025 02:18 AM
Thank you Jana! I appreciate the positive review.
Kelly was very easy to work with, encouraging and provided many options for the home purchase. I recommend her prompt and informative service to anyone! A+!
willingness to talk and assist at any time. thank you
Reply from Kelly Frey
October 28th, 2024 07:27 PM
Thank you Karin! Best wishes to you in your new home!
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About
Founded in 1986, HomeTrust Mortgage Company is a non-depository mortgage bank that offers an extensive suite of exceptional loan programs. Our in-house processing, underwriting, and closing departments ensure our customers receive the best loan program for their needs as well as a successful and consistent loan experience. Our history of growth and stability through market fluctuation is due in large part to our strength, flexibility and high volume of new and repeat business.
Products & Services
Mortgage Loan Officer
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Positions
- Hometrust Mortgage - Loan OfficerAug 1st, 2018 - Current
Year Started
1981
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 220095
Gallery

Disclaimer
Texas Consumer Complaint Disclosure Statement
Contact Information
Corporate Address:
Hometrust Mortgage Company
5353 W. Alabama, Suite 500
Houston, Texas 77056
Corporate Phone: (713) 369-4000
Corporate Email: info@hometrust.com
NMLS: 149932 (www.nmlsconsumeraccess.org)
Equal Housing Opportunity
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers in obtaining housing because of race, color, religion, sex/gender, disability, familial status, national origin, or any other protected classes under state or local law.
Licenses
Hometrust Mortgage Company conducts business only in the following states:
Alabama
Consumer Credit License #21469
(Other Trade Names: Home Mortgage of America, Inc )
Colorado
Mortgage Company Registration
(Other Trade Names:None)
Florida
Mortgage Lender Servicer License #MLD791
(Other Trade Names: Home Mortgage of America, Inc )
Georgia
Mortgage Lender License #24278
(Other Trade Names: HT Mortgage Company)
New Mexico
Mortgage Loan Company License #03476
(Other Trade Names: None)
Tennessee
Mortgage License #113075
(Other Trade Names: Home Mortgage of America, Inc )
Texas - SML
Mortgage Banker Registration
(Other Trade Names: None)
Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. No section of this Website may be framed (iFrame) within another website without the approval of Hometrust Mortgage Company.
Texas Consumer Complaint Disclosure Statement
HOMETRUST MORTGAGE COMPANY IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST HOMETRUST MORTGAGE COMPANY SHOULD COMPLETE, SIGN, AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEB SITE LOCATED AT WWW.SML.TEXAS.GOV OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-276-5550, BY FAX AT (512) 475-1360, OR BY E-MAIL AT SMLINFO@SML.TEXAS.GOV.
THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN TYPES OF JUDGMENTS AGAINST A MORTGAGE BROKER OR LOAN OFFICER. NOT ALL CLAIMS ARE COMPENSABLE AND A COURT MUST ORDER THE PAYMENT OF A CLAIM FROM THE RECOVERY FUND BEFORE THE DEPARTMENT MAY PAY A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT’S WEB SITE REFERENCED ABOVE.