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
Reviewed by Jill M, Englewood, CO
"Michelle was absolutely amazing during my first time home buying experience. She was always available and made an exemplary effort to ensure that I understood and was not overwhelmed by the boatload of information that comes with the home buying process. She truly went above and beyond and will always be my go-to person if I ever need her services in the future. Thank you so much Michelle!"
Reviewed by William M, Parker, CO
"We were very impressed with Michelle and her abundance of knowledge in regards to the loan process. She was proactive and talked us through every step. The whole team was great with their constant communication and made it very smooth Will definitely recommend Michelle and the company to our friends and associates."
Reviewed by Jodie V, Aurora, CO
"They were very thorough and professional and kept me on track on the process of the loan."
Reviewed by Andrew F, Parker, CO
Reviewed by Elanie M, Larkspur, CO
"Michelle Kellar was exceptional! She took the time to explain all the different loan options available to us in terms that we could understand and quickly responded to our email and texts , Highly recommend Michelle for your NFM Lending! Elaine "
Reviewed by Lindsey L, Denver, CO
"NFM Lending was very good at explaining the process of home buying to us new home buyers. They did a great job of getting the forms to us that needed to be signed and answering any questions we had. They were very quick to respond to us day or night and worked with us when we left the country for a week in the middle of the loan process."
Here are some useful links to get you started in the loan process.
Our mortgage calculators can be used to estimate how much your monthly mortgage payments will be, see if you will save by refinancing your mortgage, or to find out how much house you can afford.
Found a good home at a great price that just needs a little work? Own a home that could use some upgrades? The 203(k) loan may be the program for you.
Applying for a loan? You may be asked to provide some of the documents on this list during the loan application. Get these items in asap to help speed up your loan process.
Confused with the complicated mortgage lingo? Here is a list of commonly used terms that may help you understand better as you speak with realtors and loan officers.
Ready to Refinance
Are you considering refinancing your home? Before you begin the process, you should evaluate your options and personal finances. This guide will help.
Home Buyer's Checklist
When house hunting, it is easy to forget or confuse the different features of the many houses you will see. Here is a checklist to assist in finding the perfect home for you.
Here are some helpful hints and a detailed timeline to prepare your family for one of the most exciting times of your life - moving day.
Saving to Buy a Home
Saving for a home is a tremendous task that requires dedication and thought. Here are some helpful hints and tips on how to save for your down payment.