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Best Rates. Quick to Close. Clear Communication.

That’s the Advantage of Working with Kelly Cearing.

Hi, I’m Kelly. Every day I am blessed to help people realize their dreams. Maybe it’s helping a family get into their first home. Or helping a single mom refinance so she can save hundreds each month. Or helping a builder grow his business.

That’s just what I do here. We’re not a faceless organization. And we don’t see you as a file on our desk. We’re a close family who cares about every single person we help. You’ll see that difference the minute you choose Kelly Cearing.

Call me today to see how I can help you.

In my 15 years of mortgage brokering experience, and through handling thousands of loans, here’s where my team and I shine:

Kelly Cearing mortgage broker portrait

Kelly Cearing
NMLS ID 155561


Aggressively Low Rates

You may be surprised at how much we can save you each and every month.

Quickest Turnaround Times

Realtors, builders, and borrowers love us because we are serious about getting to the closing table fast.

Constant Communication

You’ll never say, “Who’s my lender again?” You’ll know. Through calls, email or text, I will regularly check in and give you a status update.


Which loan is right for you? Are you getting the best possible rate? How much house can you really afford? All these are questions that a qualified mortgage specialist can answer for you, ensuring that you have the power to make an informed decision.


You’re busy. The last thing you have time for is a time-consuming loan application process. Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. Better yet, applying online is the greener option— think of the paper you’ll save when you apply for your loan online. After you submit an application, you can check loan status at your convenience.


We can help you get the right loan for you, whether you’re looking to revamp your kitchen, bathroom, backyard, or basement. You can get the loan you need to increase your home’s value and make it a better place to live.


My husband and I have 2 daughters I love spending time with at home, at the ballfield, or anywhere really. We enjoy doing art, playing ball, off-roading, and fishing. As a family we work with other veterans and their families when needs arise and hope to bring a larger source of assistance to the area very soon.


Professionally, I am involved in the Rutherford County Home Builders Association where I just finished a 3 year term as Vice President on the Executive Officer panel. My work there has helped promote local, state, and nationwide assistance to the building community as well as assisted in providing many local scholarships. I continue to be an active associate member with the association to continue the efforts they put forward locally and nationally.


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1574 Medical Center Parkway, Suite 101

Murfreesboro, TN 37129



Monday - Friday:

8:30 am - 4:30 pm