1265 N Dutton Avenue
Santa Rosa, CA 95401
Kelly Gilligan
Senior Loan Advisor
NMLS ID: 258369
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
Apply Now Contact meAbout Kelly Gilligan
Kelly has been involved in residential real estate management, loan origination, and consulting as both a broker and banker for the past 30 years. He has held a California real estate license since 1991 in addition to a mortgage loan originator license and recently received a Professional Fiduciary Management Certificate from Cal State Fullerton.
At Flagstar Bank, we offer hundreds of different types of mortgages, and we can build a home loan solution that fits your unique situation.
Over the past 30 years, Kelly has enjoyed helping clients with one of the biggest financial decisions one has to make. He understands this major responsibility and holds himself to a high standard of care and integrity in serving clients. He has a proficiency in finance and math with a high degree of accuracy and the ability to analyze personal and corporate tax returns, exceptional problem-solving skills, and proficiency in all FHA, VA, FNMA, Freddie Mac, and portfolio lending programs.
Additionally, Kelly has excellent communication skills to promote clear and concise expectations and a thorough knowledge of underwriting, regulatory, and compliance issues affecting all aspects of the lending process that allows him to guide his clients through the financing process.
Kelly enjoys the outdoors with his family and is an avid mountain biker and snow skier.
Mortgage Specialization
- Jumbo Loans
Languages Spoken
- English
Client Testimonials
Hear what my previous clients have to say about my work.
Anne P.
“I have worked with Kelly for 15 years for all my home purchases and refinances. He is proactive, helpful, and very thorough. I will continue to refer him to anyone I hear who needs a home loan or refi.”
Why Flagstar
Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
What to Expect
We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.
Please select your lending process
STEP 1
Pre-qualify & Gather Financials
Submit your financial information and we’ll give you a personalized estimate for your loan.
STEP 2
Pre-approval
Once you’re pre-approved, we’ll coordinate with the escrow or title company.1
STEP 3
Loan Review
Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.
STEP 4
Loan Approval
Once our underwriters approve your loan, we'll get you ready for closing.
STEP 5
Close & Receive Your Funds
We’ll close your loan and wire your funds into escrow so you can complete your home purchase.
1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.
STEP 1
Loan Application
Complete a loan application online, and submit the necessary financial documents.
STEP 2
Appraisal
We'll conduct an appraisal of your property to determine its current value.
STEP 3
Underwriting Approval
Once our underwriters approve your loan, we'll get you ready for closing.
STEP 4
Loan Signing & Funding
We'll close your loan and wire your funds into escrow so you can access your funds.
Financial Calculators
If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.
Kelly Gilligan
Senior Loan Advisor
NMLS ID: 258369
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
Apply Now Contact me1265 N Dutton Avenue
Santa Rosa, CA 95401
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Kelly Gilligan
Senior Loan Advisor
NMLS ID: 258369