Kelly Graham


NMLS #: 22151

About Kelly

People have been coming to us for their home financing for over 28 years. By working with myself and my team at Merit Lending, you’ll have an unfair advantage over banks and other mortgage bankers because Merit Lending is a broker, and brokers are always better than banks when it comes to loan terms and speed. You see, there are three things that are really important when arranging for a home loan, whether on a purchase or a refinance: (1) rate, (2) fees and (3) speed. I promise that on all three of these points that Merit Lending can arrange a home loan for you that you will feel great about because we have no lender fees, great rates, and we can close your loan in about three weeks or less, which is twice as fast as the industry average.

Again, your advantage by working with our team is: NO LENDER FEES, A GREAT INTEREST RATE, and a FAST CLOSING!

After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me. Of course, please call or text me for any questions. I’ve been arranging home loans for over 25 years, and I’m happy to share my knowledge to assist you.

Client Testimonials

Kelly was recommended to us by our close friends. He was outstanding and was great at communicating each step of the process. The loan went smoothly and closed within three weeks. Kellys team is truly the best.
Austin C.
Google Review, 2021
Kelly was AMAZING! He was the only lender who would work with me on my dream and he went above and beyond. He is friendly, and very pleasant to deal with. His staff is very friendly as well, they also got the job done!!
Zoee N.
Google Review, 2021
I refinanced my home back in Jan and it was the easiest process working with Kelly and his entire team. Having the flexibility to sign paperwork remotely was key given I travel weekly for work. Thank you all for making this experience as great as it was!
Angela P.
Google Review, 2020