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.
