Meet the Kelly Marsh Team
The Kelly Marsh Team is honored to serve the home lending needs of the Santa Barbara community. Our diverse, experienced team members are fluent in English, Cantonese, French, and Spanish. We strive to create a refreshingly different mortgage experience: one that's fast, easy, stress-free – and totally focused on you!
From the start, you can expect personalized service that meets your unique needs and financial profile. Because the Kelly Marsh Team takes the mystery out of mortgage, you'll always know what's going on at each step of your loan process. Crystal-clear guidance, open communication, and proactive updates are trademarks of our hands-on approach to home lending. With us by your side, you can make confident, well-informed mortgage decisions.
We look forward to serving you!
Kelly Marsh
NMLS #245822
Vice President | Area Manager
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 25 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.
Heather Ntem
NMLS #1064305
Loan Partner
Heather wears many hats in her role as Loan Partner. She's a quick problem solver, a caring listener, a marketing visionary, and a detailed planner of events big and small. No matter the task at hand, Heather's creativity and can-do attitude help team members expand homeownership opportunities in the communities they serve.
Born in Twin Falls, Idaho, Heather has lived in Santa Barbara since 2003. She majored in Communication Studies at Santa Barbara City College and the University of California, Santa Barbara. One of her greatest life experiences was studying and living abroad in Ghana, West Africa for six months during her senior year at University of California, Santa Barbara. Before joining the mortgage industry in 2012, Heather honed her exceptional communication skills and customer service in the retail, hospitality, and real estate fields.
Heather devotes her time outside of work to her husband and two children. She loves being a mom, traveling and exploring new places, trying new restaurants, and spending time with family and friends. Heather also takes time to recharge her mind, body, and spirit with work outs, spin classes, and energizing walks at the beach.
Bonnie Sam
NMLS #2094944
Production Associate
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Bonnie Sam prepares all necessary information and documents to support clients in achieving a smooth and on-time closing. Friendly and proactive, she is dedicated to ensuring clients have a memorable experience. Before joining the mortgage industry, Bonnie served in hospitality as a guest experience manager. She was twice recognized as Leader of the Quarter by Four Seasons Hotels.
Outside of work, Bonnie loves to make time for creativity. She enjoys learning to cook new things from scratch with friends, meditating, practicing yoga, and reading
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Sese Ntem
NMLS #2306237
Director of Business Development
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Sese serves as Director of Business Development for the Kelly Marsh Team, connecting clients to resources needed for success in the biggest investment of their lives, homebuying. Service-centered, he joyfully assists clients with a smile and unparalleled care. He loves to meet new people and hear their stories, offering a listening ear and strong communication throughout every interaction.
Originally from Togo in West Africa, Sese came to the United States to pursue his education and the American Dream. A fervent believer in the American Dream, he is happy to have the opportunity to help homebuyers achieve theirs. Before joining the mortgage industry, Sese served in hospitality in senior housing communities and luxury hotels.
Sese attended the University of California Santa Barbara, where he graduated with a bachelor’s degree in global and international studies. He resides in Santa Barbara with his wife and their two children. Outside of work, he enjoys playing music, doing sports with his kids, traveling, and spending nights out with family trying new restaurants. He is fluent in French and English.
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Angelica Chavez
NMLS #2071105
Senior Loan Processor
Other Languages: Spanish
"My goal is to provide educated and swift solutions in a friendly and concise way."
As Senior Loan Processor, Angelica Chavez works closely with clients and her team, preparing loans for closing, and helping clients get into their new homes. With over 14 years of experience in loan processing, she is knowledgeable and professional, providing exceptional service to all.
Born in Mexico and raised in Santa Barbara, Angelica moved to San Diego in 2013. Outside of work, she enjoys spending time outdoors with her husband and their two boys and visiting her family in Santa Barbara.