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.
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
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 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 CarpinteriaCarrie 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 Source: Google, Jun 16, 2025
Very professional, efficient, and really nice people to work with. Highly recommend!!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 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 Source: Google, Feb 11, 2025
Top notch service!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 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 Source: Google, Dec 30, 2024
Update: check out the beautiful flowers their team sent us!! Kelly Marsh and her team at Cornerstone Lending were absolutely incredible throughout the entire home loan process! From start to finish, they made everything smooth, stress-free, and efficient as we prepared to move into our new home. Kelly’s expertise and attention to detail gave us complete confidence at every step. She and her team were always available to answer our questions, explain the process in simple terms, and provide updates, which made such a difference during what can be an overwhelming time. What stood out the most was their genuine care and commitment to ensuring we got the best loan for our needs. They worked tirelessly to make sure everything was handled promptly and professionally, and their kindness and positivity made us feel supported the whole way through. Thanks to Kelly and her amazing team, we’re now settling into our dream home, and we couldn’t be happier. If you’re looking for a team that combines top-notch expertise with personalized service, Kelly Marsh and Cornerstone Lending are the ones to trust! Highly recommend!Robert Harnish Source: Google, Dec 08, 2024
A big thank you to Kelly Marsh and her team! They went above and beyond to ensure my clients had a seamless and successful transaction. There was never a question they couldn’t answer or a problem they could not solve. They held our hands the whole way through and I’m incredibly grateful. I look forward to working with them again and again! Thank you! Lindsey Densmore - Real Estate AgentLindsey Densmore Source: Google, Sep 05, 2024
There should be a 6th star option like an A+...!! I wanted to say thank you Kelly for the help you gave my Mom and I on her refinance. It was super easy and everything worked out perfectly and QUICK. Even through the holidays! She was kind of stuck in limbo with her situation before I called you, now she has some cash in the bank, one monthly payment with everything included, and you even saved her money. And as a long time retiree on a fixed income, that is huge! Add to it, she has the Cornerstone app on her tablet and bank account linked and she’s all set to make her first payment next week! Easy peasy! You are the greatest and I appreciate this and all the umpteen other times you have handled things for me in the past regarding my own mortgage. You and the entire team are truly a pleasure to deal with, and I can't recommend you enough.Steve Odom Source: Google, Feb 14, 2024
There should be a 6th star option like an A+...!! I wanted to say thank you Kelly for the help you gave my Mom and I on her refinance. It was super easy and everything worked out perfectly and QUICK. Even through the holidays! She was kind of stuck in limbo with her situation before I called you, now she has some cash in the bank, one monthly payment with everything included, and you even saved her money. And as a long time retiree on a fixed income, that is huge! Add to it, she has the Cornerstone app on her tablet and bank account linked and she’s all set to make her first payment next week! Easy peasy! You are the greatest and I appreciate this and all the umpteen other times you have handled things for me in the past regarding my own mortgage. You and the entire team are truly a pleasure to deal with, and I can't recommend you enough.Steve Odom Source: Birdeye, Feb 14, 2024
Kelly & her team helped me purchase two houses and refinance my mortgage twice in the last 14 years. I have always been impressed by Kelly’s expertise and professionalism. Her willingness to make sure I understood the entire process from start to finish gave me great peace of mind and helped make my home buying process exciting instead of stressful.Liz M Source: Google, Nov 21, 2023
Kelly and her team at Cornerstone are amazing. They worked with me every step of the way, from pre-approval to closing, making sure I understood the process along the way. I look forward to working with them again in the future.L V Source: Google, Oct 30, 2023
Kelly and her team were awesome. We had a short escrow and time was of the essence. They were professional and explained the process clearly. They did what they said they would do. Cannot not ask for more. Thank you to the entire team.Sharon Perez Source: Google, Oct 24, 2023
Where I had experienced no progress with another lender, Cornerstone employees were quick to understand and complete my refinance. I had a successful refi within a month and now am thankful every month when I send off my loan payment which is now significantly less than my previous mortgage. I would definitely recommend Cornerstone with complete confidence that they have the knowledge and expertise to do a great job.Peg Jarrott Source: Google, Jan 18, 2023
