Kelsey Denman - Mortgage Loan Originator

another baby and a mom chop later, it was time for new headshots!

thank you to the lovely - she’s incredible!

What’s in a name, you know?! ⭐️

I’m feeling blessed by each new opportunity that presents itself to me and my career. I have always believed that God turns my shoulders in directions that will be most beneficial to my family, my own personal growth, and to best serve those I work with every day.

“Pleasure in the job puts perfection in the work.”

Thank you to everyone who continues to support me and my business! 🖤✨

All smiles after this review came through 🥹 Our team knocked it out of the park after another lender couldn’t get it done. ‘Save-a-deals’ are our favorite!! We’re always here to swoop in and save the day 🦸🏻‍♀️

Where are my investors at?! If you haven’t heard by now, this DSCR loan program is all the rage - and we’ve had plenty of clients already taking full advantage of everything it has to offer.

A mortgage based on the Debt Service Coverage Ratio of your future rental property. Requiring as little as 20% down for 1-4 units, this program provides immediate savings compared to the typical 25% down Conventional Investment requirement.

With DSCR we;
- qualify based on the income generated from the subject property, proof of client income is not required
- can close directly in your LLC
- can finance up to 20 properties (as opposed to 10 through standard conventional)
- have a 6 month seasoning requirement (beating the 12 month requirement through conventional)

Here to help make building your Investment Empire easy 🤑 DM for more details!

What a year 2023 turned out to be! I can’t give a bigger thank you to all the incredible realtors and referral partners I’m lucky to call my friends, who made last year possible and truly special. And to every single client who trusted myself and our team at UMC, I appreciate you beyond measure. 2024, here we come! 🚀😈

Great news for house-hackers and real estate agents! UMC Capital is implementing significant changes that you'll want to know about.

Starting on November 18th, you can secure a mortgage for a 2-4 unit primary residence with just a 5% down payment. To give you some perspective, the prior policy demanded a 15% down payment for 2-unit properties (some exceptions applied), and 25% for 3-4 units.

This opens up an incredible opportunity for home buyers looking to generate rental income. The only requirement is that you must occupy one of the units in the property.

While FHA loans have traditionally been the go-to for low down payments on multi-unit residences, this new adjustment allows you to enjoy the advantages of Conventional Loans.

If you or any of your clients wish to learn more about this new offering, feel free to reach out. We’re here to guide you and your clients through the proper and compliant ways to house hack!

We closed quite a few VA loans last month - and our quickest one went from loan submission to CTC in 5 DAYS! It was AWESOME! There’s no limit to what we can do when everyone in the transaction is responsive, eager, and just truly amazing to work with. ALL of our clients this month made our job too easy! We’re so blessed to have amazing referral partners that send incredible people our way.

Rolling into Q4 with smiles on our faces! 🎃

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The proof is in the pudding (monthly payment) y’all. It’s time to narrow down what your true goals are when it comes to purchasing your first/next home. The rate cannot be the one thing holding you back. And I can’t stress this enough - DON’T WAIT. Chances are, you can already afford that house at current interest rates. And the best part? When rates drop, you already have the house you love and get to refinance into an even lower rate, which means an even lower monthly payment! Are you curious what that gorgeous house in your ideal neighborhood would cost you monthly? Reach out and let’s run some numbers together 🫶🏼

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Is anyone else as excited for fall as I am?! August was an incredible (and incredibly hot 🥵) month. But now the kids are back in school, football season is ramping up, those crisp mornings are starting to return… and life. feels. GOOD.

And, not to mention, life is getting even sweeter for SO MANY of our August clients! I couldn’t believe how many of these adorable families were expecting babies 🤗 Congratulations to everyone we were blessed to help this month - heading into September with a smile on my face 🏈🍂🌻

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July was the month of DSCR loans! So happy for all our clients and investment partners! August is going to be GOOD!

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You heard it here first 🥳✨ Call me for a free rate quote!

Our team is out here setting a new standard! Need to close quickly? Or just in search of a stress free process? We have you covered 🥳

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Let’s talk about 1% down!!

New faces around here so it’s a perfect time for a little re-introduction 🤍

I’m Kelsey - your Cincinnati/Dayton Senior Loan Officer with UMCincy. I’ve dedicated the most recent 5 years of my life to the mortgage financing industry, and I have been obsessed with every minute of it (yes, even if the appraisal comes in short 😉).

The most invaluable things I can offer to my clients are my dedication and transparency. Communication is the key to success — and most importantly, the communication needs to be consistent and trustworthy.

Beyond the daily grind of bettering myself in my career and being available to my clients + referral partners, I take the most pride in being a wife and mama (of soon to be 2 🤰🏻)! I love to cook, am constantly daydreaming about my next vacation out West (Sedona, AZ specifically), and will be training for my third full marathon at the beginning of next year.

If you have any questions about financing your next home, need a quick and easy recipe recommendation, or have kids and just want to chat about how cute they are, I’m your girl 🫶🏼

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Starting in May, I get to be a part of something BIG within UMortgage. Within the last 4+ years of being a Loan Officer, I’ve learned so much about running a business filled with efficiency, integrity and confidence. Now I get the opportunity to help other Loan Officers build their businesses up, and help them feel empowered in their roles as LO’s.

Get ready to LEVEL UP! I’m excited to announce that I am a coach for UMortgage’s new Level Up Sales Coaching program. This program is designed to provide our LOs with personalized mortgage training from the basics of loan origination to advanced techniques for closing more loans 🙌 I can’t wait to share the knowledge and advice I have gathered throughout my career with LOs who are eager to !


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You read that correctly! UMortgage Cincy is exclusively offering a $695 credit off every purchase transaction for all applications turned in before May 7th!

The only origination fee our branch charges is a $695 processing fee, so this would net out at $0 for all UMortgage Cincy clients!

The Homebuyer U class is completely FREE, and once we receive your completed certificate, you’ll see the credit reflecting on your Loan Estimate.

It’s not too good to be true - we’d never do that to ya. DM me “SAVE” to hear more about how working with me can save you some $$$$ ✨🤍

Finally able to start revealing these new licensed states! FIRST UP - our ‘frenemies’ up north! (The OH vs MI rivalry is a strong one 🤭)

Michigan is home to many beautiful, scenic cities and towns. If you’ve ever considered owning in this gorgeous state, I can now assist in making that dream a reality!

FOUR MORE licenses being revealed over the next few weeks. Stay tuned 🤩

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For the second year in a row I am humbled by this achievement. Because I would never receive something like this if it weren’t for my referring agents and our clients who put their trust in me. These words never feel like they’re enough, but - thank you.

Getting people into their first homes, their forever homes, helping them reach their investment goals - it fires me up! And I genuinely care about the people I talk to every day. Whether they choose to work with me or not, their expectations and experience are always top priority. Business is earned! Not guaranteed.

I cannot wait to see what 2023 has in store for this industry. It’s going to be an amazing ride and I am excited to be a part of it.

Are U Ready? 👀

Are you even in the RE industry if you don’t take new headshots every month? 😂 Big news coming soon AND new licensed states will finally be revealed!! We flipped the script a little bit so here’s some updated emojis to help you guess which FIVE new states kelsloans will be licensed in; 🌵🐟🌴🛥️🦌

Still getting these wonderful families and clients into their dream homes before the holiday season is over! I am incredibly grateful for everyone who puts their faith and trust in our team - we do not take our job lightly and are always prepared to give the best service, leaving our Realtor partners and our clients feeling confident and stress free all the way up until closing day. It’s truly a treat to work alongside and for you all 🥧🦃🍁

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‼️ You heard it here first! Inflation may have peaked, the stock market is rallying, and we are seeing RATES DROP ‼️

Stay tuned for more updates, and as always — call me with any questions!

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What a fun October it was ☺️ So many sweet clients - thank you for trusting us with your financing needs. I can’t believe November is almost here, time flies when you love what you do every day!

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Anybody else have a hard time getting out of bed this morning? Halloweekend will do that to ya! Chins and coffees up, friends - we got this today!

This may go down in history as our quickest closing ever!

How was this possible, you ask?!

- Responsive client who got us necessary documents quickly
- Both buyer’s agent and listing agent played crucial roles in keeping everyone organized and informed
- Our team of processors and underwriters are as efficient as they come, and are in constant communication every day
- Loan documents were signed and appraisal was ordered on same day of offer acceptance

We received our Clear to Close within 7 DAYS of loan submission! Unreal 👏🏼

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Happy Friday everybody! It looks like a beautiful weekend to do some house hunting 🤗 If this weather isn’t reason enough to count our blessings and smile, I don’t know what is!

As always, if you or your clients need anything we are here to help, all weekend long.

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A quick “did you know?” — VA Edition!

If you are a Veteran homebuyer or if you’re working with a Veteran homebuyer — did you know that the only co-borrower eligible to be on the mortgage is a legal spouse?

In some cases, the co-signer can also be another Veteran, however this is lender specific and can vary based on the lender you’re working with.

We love our Veteran buyers! Thank you for your sacrifice and service to our country.

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A quick “did you know?” — VA Edition!

If you are a Veteran homebuyer or if you’re working with a Veteran homebuyer — did you know that the only co-borrower eligible to be on the mortgage is a legal spouse?

In some cases, the co-signer can also be another Veteran, however this is lender specific and can vary based on the lender you’re working with.

We love our Veteran buyers! Thank you for your sacrifice and service to our country.

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Still studying away so we are licensed in FOUR new states 🥰 Can you guess which ones?! Here’s a few hints; 🌵🍑🌴🐟

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