KMarsh@houseloan.com
805-563-1100
Kelly Marsh
Buying a home or exploring a refinance? Connect with Kelly to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Kelly
Born and raised in the community of Santa Barbara which she now serves, Kelly is committed to helping her clients navigate the most complex financial transaction, a home mortgage. Kelly believes clients are clients for life and continues to nurture relationships beyond the closing of the loan. Her clients are referred from a network of local businesses, including financial planners, accountants, real estate agents, and satisfied past clients. Kelly strongly believes in the power of clear communication with clients and with this has developed her own system to originate a loan from start to finish.
Kelly has more than 27 years of experience in the mortgage industry. Kelly has been recognized annually by Scotsman Guide for Most Closed Loans, Top Purchase and Refinance Volume, and Top Dollar Volume. Her industry experience and vast knowledge has been featured in the Santa Barbara News-Press, Santa Barbara Independent, the trade journal Origination News, and other publications. Additionally, Kelly regularly facilitates seminars for real estate professionals.
Kelly leads a team of highly skilled and experienced support staff and loan originators. Kelly meets weekly with her team to thoroughly review their current pipeline and to improve and streamline their systems. The systems Kelly has implemented in her business have led to some of the best and brightest to come work with Kelly. She believes anything is possible with the right people on her team.
What clients say about Kelly
Dawn and Kelly made the homebuying process super smooth! I was never once in doubt of meeting our closing date on time... and we did! These two know their stuff and are the best of the best! Two very enthusiastic thumbs up!
Dawn and the Cornerstone team are excellent. Very thorough, creative in their approach, and very responsive. Highly recommended!
We were first time home buyers so it was a pretty daunting experience, especially given the tough market we live in. Dawn Flori… I can’t express enough how amazing she has been. She spent an extraordinary amount of time with us, walking us through each step, even taking the time to explain things outside the lending-specific part of process. And we had a very long escrow so no doubt went above and beyond what she’s usually does. Genuinely blown away at her generosity with her time, not to mention incredibly grateful. 1 bazillion percent recommend.
Always great service. Friendly, accurate and timely work. We will be working with Kelly and her team for many years to come I hope. Update, we worked with them again this year and it couldn't have been more impressive how they handled an eight-day-to-close transaction. Kelly, Dawn, and the whole team are absolutely the best, the most competent and efficient part of our entire home buying process!
Excellent experience working with the Kelly Marsh team - Dawn was an excellent communicator and took great care of us during our loan journey!
I cannot say enough positive things about Cornerstone. After a rocky start to my home buying journey, switching to Cornerstone was the best decision I made. I began working with Dawn, who was an absolute breath of fresh air. There wasn't a question she didn't answer or a detail she didn't cover. As a first-time home buyer, she made what felt like an overwhelming process feel smooth and manageable every step of the way. I am so incredibly thankful for the opportunity to work with Dawn and her team — they truly went above and beyond. Highly, highly recommend Cornerstone
The team was great and the process was smooth. The answer to every question was confident and clear and set my expectations so I always knew what was happening and when. Best experience ever!
Kelly and her team at Cornerstone are professional, responsive, and incredibly supportive! They took time to answer any and all questions to make sure we felt comfortable and understood the process. Highly recommend!
In real estate, the quiet heroes of a successful closing are often the lenders. Dawn Flori and Kelly Marsh at Cornerstone Lending are exactly that. They bring calm to what can feel overwhelming for buyers, clarity to complex financing scenarios, and steady communication that keeps everyone aligned. When they say a file is strong, it’s strong. When they set a timeline, they hit it. As a Realtor who values education and transparency, I’m grateful to collaborate with professionals who operate with integrity and precision. Santa Barbara is lucky to have them.
We have purchased many homes and investment properties, with The Kelly Marsh Team . They have always been an excellent team to partner with. They are professional, knowledgeable, and think outside of the box. We highly recommend The Kelly Marsh Team. If you're looking for that special home or an investment purchase. I strongly suggest you reach out to The Kelly Marsh Team.
Let’s connect
Contact Kelly
Share a little about your plans and how to reach you.
Office locations
Office A
Santa Barbara, CA 93101
Suite 700
Houston, TX 77027
#400
Oklahoma City, OK 73170
Edmond, OK 73013
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Kelly today.
