We are honored to serve the home lending needs of the Santa Barbara community. 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.
To get started today on your home loan, prequalify here or give us a call. Prequalifying allows you to see how much home you can afford and how much you could be eligible to borrow. Once you're prequalified, we will reach out to guide you through the rest of the mortgage process.
We look forward to serving you!
NMLS #245822
SVP | Regional 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.
With 29 years of experience, Kelly Marsh is a trusted mortgage expert known for her clear communication, integrity, and personal approach. She leads with heart and delivers with precision—guiding clients through every step of the home loan process with confidence. She has played a pivotal role in building high-performing teams through initiatives like Think & Grow and LULO Live, bringing deep industry insight and a commitment to service. Kelly believes every client deserves a custom path to homeownership and takes pride in making the complex feel simple—with honest guidance and results that truly serve.
Get Home happy with Kelly!
NMLS #507561
Loan Originator/Production Partner
Dawn Flori brings over 37 years of mortgage experience to the team, with an impressive background that spans loan origination, processing, underwriting, and closing. Her deep knowledge of the mortgage process—from start to finish—allows her to guide clients with clarity, confidence, and care.Throughout her career, Dawn has helped a wide range of clients, from first-time homebuyers to seasoned real estate investors. Her passion lies in helping people find the right mortgage solution for their unique needs, ensuring they feel supported and informed every step of the way.
With 20 years in origination and processing, 15 years as an underwriter, and 2 years in closing, Dawn’s expertise is unmatched.Known for her straightforward approach and dedication to doing what’s best for her clients, Dawn is a trusted resource and a valued team member. She genuinely loves the mortgage business and finds fulfillment in making homeownership possible for the individuals and families she serves.
Client Relations Coordinator
With over 14 years of experience in the mortgage industry, Tina is known for her client-first approach and believes that kindness, positivity, and genuine care make all the difference—both in life and in helping clients feel informed, supported and valued from start to finish. Tina takes pride in building lasting relationships with her positive attitude, willingness to help, and ability to work collaboratively, making her a trusted resource for both clients and colleagues alike.
Outside of work, Tina’s faith and family are at the center of her life. She enjoys working on puzzles, playing games with family and friends, and creating memories through her love of Disney. Whether she’s visiting the parks or setting sail on a cruise, she looks forward to making magical trips each year.
