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 Michelle L, Denver, CO
"This review is near and dear to me, as Michelle Kellar by far exceeded my expectations and previous experiences with mortgage lenders. Not only was Michelle thorough, but the whole team who worked on my loans was magnificent. I will not hesitate to use her again in the future with purchases or additional refinances on my investment properties. Thank you so much for everything! "
Reviewed by Michele H, Denver, CO
"Michelle explained the process and gave me options. She found the best solution for me. No hassle closing. It was great!"
Reviewed by Sean K, Denver, CO
"Without question, Michelle is the best loan originator that I’ve worked with. Her industry knowledge is stellar, and her level of customer service is second-to-none. Michelle’s attention to detail and high level of professionalism made the entire process (from qualifying to closing) stress-free and pleasurable. I highly recommend Michelle & NFM Lending. "
Reviewed by Robert N, Highlands Ranch, CO
"We greatly appreciate Michelle!"
Reviewed by Jill M, Englewood, CO
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!!!"
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.