Kelly Marsh

SVP | S. California, Nevada, Texas and Oklahoma

805-563-1100 | Cell/Text
KMarsh@houseloan.com
NMLS# 245822

Experience Matters. So Do You.

Choosing a mortgage professional is an important decision, and we're honored you're considering Cornerstone Home Lending. Our team will work hard to deliver a satisfying and streamlined lending experience.

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 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.

family moving in

Find Out What You Qualify for in Minutes

Mortgage Payment Calculator

Mortgage Details


Private mortgage insurance typically costs between 0.5% to 1% of the entire loan amount on an annual basis.
Expect to pay $35 a month per $100,000 in home value.

Your Monthly Payment
$1,865
Payment Breakdown
$1,865


Principal & Interest
$1,083



Taxes
$563



Mortgage Insurance
$45



Home Owners Insurance
$75



HOA
$100


Monthly Payment Estimates
by interest rate


Purchase Price Loan Amount 4.50% 4.75% 5.00% 5.25% 5.50% 5.75%
$225,000 $213,750 $1,865 $1,897 $1,929 $1,962 $1,996 $2,029
$235,000 $223,250 $1,940 $1,974 $2,007 $2,042 $2,077 $2,112
$245,000 $232,750 $2,015 $2,050 $2,085 $2,121 $2,158 $2,194
$255,000 $242,250 $2,090 $2,127 $2,163 $2,201 $2,238 $2,277
$265,000 $251,750 $2,166 $2,203 $2,241 $2,280 $2,319 $2,359
$275,000 $261,250 $2,241 $2,280 $2,319 $2,360 $2,400 $2,442
$285,000 $270,750 $2,316 $2,356 $2,397 $2,439 $2,481 $2,524
Cost of Waiting $40 $81 $123 $165 $208
*Cost of waiting estimates are based on the percentage (%) down entered into the calculator. Disclosure: Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. All loans are subject to approval and credit terms may vary.

Contact Kelly

Manage Your Home Loan from Start to Finish With

Loanfly®

The Better Way to Mortgage

Free Download

Reviews

I absolutely enjoyed The Kelly Marsh team!! They're very knowledgeable in VA and first time home buyer programs. We worked with Kelly and Dawn and both are magnificent people. They're very responsive and answer all of our questions even while they are away from their desk. True concierge type of service! Kawika Kawika Source: Google, Jun 26, 2025
I absolutely enjoyed The Kelly Marsh team!! They're very knowledgeable in VA and first time home buyer programs. We worked with Kelly and Dawn and both are magnificent people. They're very responsive and answer all of our questions even while they are away from their desk. True concierge type of service! Kawika Kawika Source: Google, Jun 26, 2025
We have had the pleasure of working with Kelly Marsh and her staff three times. First when we purchased our home and two more times to refinance our loan as the interest rates dropped. Kelly and her staff are awesome! Their communication of time lines is excellent! Sincerely, Carrie Kirchner Carpinteria Carrie Kirchner Carrie Kirchner Source: Google, Jun 18, 2025
We have had the pleasure of working with Kelly Marsh and her staff three times. First when we purchased our home and two more times to refinance our loan as the interest rates dropped. Kelly and her staff are awesome! Their communication of time lines is excellent! Sincerely, Carrie Kirchner Carpinteria Carrie Kirchner Carrie Kirchner Source: Google, Jun 18, 2025
Dawn was so incredibly helpful and always went the extra mile to walk us all the way through our financing to make sure we knew exactly what was going on. Kelly has the best team and we feel so confident and taken care of! Hilary Brock Hilary Brock Source: Google, Jun 17, 2025
Very professional, efficient, and really nice people to work with. Highly recommend!! Renee Maile Renee Maile Source: Google, Jun 17, 2025
Dawn was so incredibly helpful and always went the extra mile to walk us all the way through our financing to make sure we knew exactly what was going on. Kelly has the best team and we feel so confident and taken care of! Hilary Brock Hilary Brock Source: Google, Jun 16, 2025
Very professional, efficient, and really nice people to work with. Highly recommend!! Renee Maile Renee Maile Source: Google, Jun 16, 2025
Kelly Marsh and her team were phenomenal. Kelly is knowledgeable and adept at breaking down and comparing multiple loan options. She sent interactive algorithms and provided every resource I needed. She renewed our fully underwritten status several times during our prolonged home search. The entire team was professional, confident, and reassuring which helped decrease the stress of making such a large investment. I will definitely look to the Kelly Marsh Team when I am ready to refi! Irene Grace Irene Grace Source: Google, Jun 11, 2025
Kelly Marsh and her team were phenomenal. Kelly is knowledgeable and adept at breaking down and comparing multiple loan options. She sent interactive algorithms and provided every resource I needed. She renewed our fully underwritten status several times during our prolonged home search. The entire team was professional, confident, and reassuring which helped decrease the stress of making such a large investment. I will definitely look to the Kelly Marsh Team when I am ready to refi! Irene Grace Irene Grace Source: Google, Jun 10, 2025
I had the best experience with Dawn and Kelly, they both went out of there way for us and I wouldn’t use anyone else. Lacee Hamly Lacee Hamly Source: Google, Feb 11, 2025
I had the best experience with Dawn and Kelly, they both went out of there way for us and I wouldn’t use anyone else. Lacee Hamly Lacee Hamly Source: Google, Feb 11, 2025
Top notch service! Ian Sadecki Ian Sadecki Source: Google, Jan 11, 2025
Top notch service! Ian Sadecki Ian Sadecki Source: Google, Jan 11, 2025
A home lenders’ role in the buying process is just a critical as your realtor’s role and I exclusively choose Cornerstone with every single purchase. Their attention to detail, thorough communication, and time spent thinking outside of the box to ensure a successful transaction, places them in a class of their own…Excellence. Thank you Cornerstone! Shannon Sadecki Shannon Sadecki Source: Google, Jan 07, 2025
A home lenders’ role in the buying process is just a critical as your realtor’s role and I exclusively choose Cornerstone with every single purchase. Their attention to detail, thorough communication, and time spent thinking outside of the box to ensure a successful transaction, places them in a class of their own…Excellence. Thank you Cornerstone! Shannon Sadecki Shannon Sadecki Source: Google, Jan 06, 2025
Kelly Marsh and her team are brilliant and fantastic! Professionalism, care, and expertise are key qualities that make their team so unique in this business. I was impressed by how quickly the team responded to my calls and emails. It truly felt like I was a priority to them! I greatly appreciated the individualized support Kelly gave me throughout my home purchasing process; she answered all of my questions, shared informed insights, gave thorough explanations, and understood my needs. As a leader and expert in the field, Kelly always provided information based on market trends and best practices; as an avid learner and researcher, I valued her strong market knowledge, high integrity, creative adaptability, and proactive approach to advice. Her excellent communication skills and positive attitude were essential in building trust. To that end, I greatly esteemed her patience, ability to advocate for my needs, attention to detail, and extensive market understanding. If you are looking for a professional who will be a trusted partner in your home buying or refinancing process and prioritizes client satisfaction, you need to work with Kelly and her team! I am so grateful for their skill and support, and I look forward to continuing to count on them in the future! Lina Kim Lina Kim Source: Google, Dec 30, 2024
Kelly Marsh and her team are brilliant and fantastic! Professionalism, care, and expertise are key qualities that make their team so unique in this business. I was impressed by how quickly the team responded to my calls and emails. It truly felt like I was a priority to them! I greatly appreciated the individualized support Kelly gave me throughout my home purchasing process; she answered all of my questions, shared informed insights, gave thorough explanations, and understood my needs. As a leader and expert in the field, Kelly always provided information based on market trends and best practices; as an avid learner and researcher, I valued her strong market knowledge, high integrity, creative adaptability, and proactive approach to advice. Her excellent communication skills and positive attitude were essential in building trust. To that end, I greatly esteemed her patience, ability to advocate for my needs, attention to detail, and extensive market understanding. If you are looking for a professional who will be a trusted partner in your home buying or refinancing process and prioritizes client satisfaction, you need to work with Kelly and her team! I am so grateful for their skill and support, and I look forward to continuing to count on them in the future! Lina Kim Lina Kim Source: Google, Dec 30, 2024