Meet Kelly
Kelly Kelly is a Retirement Mortgage Specialist and SVP of Reverse Lending with Fairway Home Mortgage — based in Sioux Falls, South Dakota and serving people 62 and better across the Upper Midwest. Reverse mortgages aren't one product on her rate sheet; they're the entire practice.
Kelly's first reverse mortgage set the tone for everything since: a couple aged 101 and 102 — sharp, proud, and out of money in a home full of equity. The HECM they closed didn't just fix a budget; it restored a household's dignity. Kelly has been telling that story, and building on it, ever since.
Before mortgages, Kelly's career ran through small business, marketing, advertising, real estate, and television — a résumé with one common thread: everyone has a story and a vision for how they want to live. Her job now is listening to that story first, then showing people 62 and better how the wealth inside their home can serve it. Married to her husband Dave — a mortgage planner in his own right — with three grown daughters, Kelly knows firsthand that family and legacy sit at the core of these decisions. She and Dave plan to get a reverse mortgage themselves when they're 62.
Faith, family, and Fairway keep her a continual learner in a changing industry, and two mantras show up in every client relationship: the Golden Rule, and an attitude of gratitude. Ask her clients and you'll hear the same words again and again — patient, plain-English, on top of every detail, and genuinely fun to work with.
Kelly's check-ups are teaching sessions, not sales calls. Bring skeptics — she prefers them informed and asking hard questions.
Spouses, adult kids, financial advisors, attorneys — Kelly welcomes the whole team, because good decisions get made together.
Treat others as you'd want to be treated. It's how Kelly runs her practice, her follow-ups, and every honest "this isn't for you."
The particulars
Kelly is licensed as a mortgage loan originator (NMLS #1242327 — verify on NMLS Consumer Access) and serves clients across the Upper Midwest — South Dakota, Minnesota, North Dakota, Iowa, Missouri & Wisconsin — from Fairway's Sioux Falls branch. Every Fairway reverse loan officer completes dedicated live reverse mortgage training with ongoing weekly education — reverse is a specialty at Fairway, not a checkbox.
Client stories
Highlights paraphrased from real client stories shared with Kelly — read the originals anytime on Experience.com.
Used the reverse purchase program to buy a home with roughly half the cash a traditional purchase would have taken — with no monthly mortgage payment required. Says Kelly made the whole thing easy, and even fun.
Jerry K. · South DakotaReverse Purchase (H4P)
Paid off her existing mortgage with a HECM and redirected that old payment to whatever she wants. Still owns her home, still in her forever house — and says Kelly handled every detail and made sure she understood each step.
Linda D. · South DakotaHECM Refinance
Went in hesitant and came out extremely happy. Kelly explained the entire program in plain language, stayed on top of every step, finished the paperwork early, and returned every call promptly.
Verified client · Sioux Falls areaHECM Refinance
Used the reverse purchase program to buy a home with roughly half the cash a traditional purchase would have taken — with no monthly mortgage payment required. Says Kelly made the whole thing easy, and even fun.
Jerry K. · South DakotaReverse Purchase (H4P)
Paid off her existing mortgage with a HECM and redirected that old payment to whatever she wants. Still owns her home, still in her forever house — and says Kelly handled every detail and made sure she understood each step.
Linda D. · South DakotaHECM Refinance
Went in hesitant and came out extremely happy. Kelly explained the entire program in plain language, stayed on top of every step, finished the paperwork early, and returned every call promptly.
Verified client · Sioux Falls areaHECM Refinance
The check-up starts with listening — your goals, your family, your vision for this chapter. The numbers come second. Text, call, or schedule whenever you're ready.
