Michelle Kellar
Michelle Kellar

Michelle Kellar

Loan Originator | NMLS# 501357 Apply Now Upload Docs Returning Applicant Contact


I started working in the mortgage industry as a receptionist in 1992 when I was 22 years old, determined to be the best at what I do, and by 1999 I’d moved up the ladder quickly, learning all parts of the mortgage industry from setup to investor loan delivery, settling in as a Loan Officer Assistant in 2002. After ten years as a Loan Officer Assistant, I became a Mortgage Loan Originator in 2013 with a vision to create well-being, for my clients, realtors and referral partners.

I have over 25 years’ experience in the mortgage industry, with a vast knowledge of guidelines, a vision to see all the client’s options, a true desire to do what’s best for the client and a commitment to ensure loans closes on time. Plus have a little fun along the way getting to know the clients and realtors!

I love spending time with my family & friends, hiking, talking walks, being surrounded by nature, water-skiing and snow skiing. I love to travel, meditate, practice yoga and the excitement of learning something new. I love being an up-lifter and a part of people’s desires of a home and home wealth. I believe you are what you believe you are, so believe you are amazing!

If you are looking to buy a home, sell a house, access the equity in your home or invest in real estate, I'd love to help!


Meet the Team

  • Stacy Rose

    Stacy Rose

    Loan Partner II, NMLS# 332898

    p. 720.577.4567


    f. 720.577.4567

  • William Scott

    William Scott

    Loan Partner I

    p. 720.210.9215


    f. 720.210.9215

  • Jarrod Borga

    Jarrod Borga

    Licensed Processor, NMLS#1488433

    p. 720.930.4402


    f. 720.930.4402

  • Stephanie Hoyland

    Stephanie Hoyland

    Administrative Assistant

    p. 720.399.7369


    f. 720.399.7369

  • Testimonials


    Sep 2019

    Reviewed by Andrea R, Elizabeth, CO

    "We had a wonderful experience with with NFM Lending. Michelle was amazing! We had lots of questions for her and she always took the time to answer us. Thank you Michelle and NFM!!!"


    Sep 2019

    Reviewed by Jeffrey S, Elizabeth, CO

    "Michelle was awesome. We found a house unexpectedly the day she left for a two week vacation but that didn't stop her from working and helping us get our new home. I felt bad but am truly grateful for that. Thank you Michelle! We're will definitely recommend you. "


    Sep 2019

    Reviewed by Alexandra L, Aurora, CO

    "Michelle made sure to explain every step along the way and was always in contact with me. I felt 100% comfortable going to her with any questions, no matter how silly. Thank you for all you do Michelle! You are wonderful!!! "


    Aug 2019

    Reviewed by William M, Parker, CO

    "Michelles is by far, the best agent we have ever worked with. She has always guided us through the process in a seamless manner and is always available if we have any questions regarding the loans. She is thorough and keeps us updated on all aspects of the loan. Although the process is usually complicated and stressful, she has made them the opposite on the two occasions we have worked with her. Will continue to highly recommend her and the company for any future business. Thank you."


    Aug 2019

    Reviewed by Crystal M, Denver, CO

    "I appreciate how knowledgeable and easy to speak with Michelle has been. She listens, understands the stress, and answers my questions. I've enjoyed working with her very much!"


    Jul 2019

    Reviewed by Sam W

    "Clear communication and we never had to wait for answers. Very organized and offers a good technology suite to submit documentation. This is the first lender that didn't ask me for the same exact information twice because they were organized. I highly recommend Michelle and her team. Very pleasant and knowledgeable!"

    Loan Tools

    Here are some useful links to get you started in the loan process.



    NFM Lending Sponsors 15th Annual BARCStoberfest

    LINTHICUM, MD, October , 2019— NFM Lending is proud to be a Sponsor for the 15th annual BARCStoberfest 5k and 1-mile run/walk and festival on October 26, 2019. This event will benefit the Baltimore Animal Rescue and Care Shelter (BARCS). This will be NFM Lending’s first year sponsoring the …
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    How Mortgage Calculators Work

    How Do Mortgage Calculators Work?

    Note: This blog was originally published in February 2013 and has been updated. Mortgage calculators are important tools for both homebuyers and homeowners. These calculators can help estimate your monthly mortgage payments as well as how much you can afford when purchasing a home. There are vari…
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    Christine Ege

    NFM Lending salutes Christine Ege

    LINTHICUM, MD, October 1, 2019— NFM Lending is pleased to honor Colonel Christine Ege as the NFM Salute for October 2019. COL Ege is serving in the US Army as a veterinarian and is currently in her 21st year of continuous active duty service. She passionately supports the Department of Defense …
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    Mortgage Rate

    How Your Credit Score Affects Your Mortgage Rate

    When applying for a loan, one of the most important factors that will come into play is your credit score. Before you start the loan application process, you should have a clear understanding of how your credit score affects your mortgage rate so you can assess your financial situation. Most lend…
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    Contact Me

    Michelle Kellar

    Michelle Kellar

    Loan Originator

    NMLS ID#:



    6455 S. Yosemite St., Suite 425, Greenwood Village, CO 80111

    Ready to get started or have any loan questions? Contact me at 303-210-3446 or mkellar@nfmlending.com or submit the form below and I will call you.

    Contact Me

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