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!
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.490% | 6.734% | 0.872 ($3052.00) | $2209.94 |
| 15-year fixed | 5.500% | 5.878% | 0.652 ($2282.00) | $2859.79 |
| FHA loan | 5.990% | 6.995% | 0.82 ($2503.05) | $1964.90 |
| VA loans | 5.750% | 6.270% | 0.984 ($4020.63) | $2384.48 |
| Jumbo loans | 5.990% | 6.251% | 0.98 ($8820.00) | $5390.17 |
* Rates current as of 4/6/2025 03:01 pm, provided by Brian Kelly, for Morris County, NJ, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 350 Main Road, Suite 203 Montville NJ, 07045