About Kelly Fest

Where Heart Meets Home Loans

As a devoted mom to her son Anthony and a doting fur-mama to their schnauzer Cooper, her world is stitched together with love, laughter, and a little bit of paw-print chaos.

When she isn’t guiding families through mortgages with the steady grace of someone arranging the perfect charcuterie board, you’ll usually find her writing stories or whipping up treats that make their home feel like a hug.

And on those rare, dreamy afternoons when life slows down, she dives into creating stained glass — piecing together bits of color the way she pieces together solutions for her clients: thoughtfully, artfully, and with heart.

Get to Know Kelly...

Why did you choose NEXA Mortgage?

I chose NEXA Mortgage for 3 reasons:

1. They support their women employees and have an entire division called Women of NEXA.

2. They have a very high volume of loans, which in turn means they are given better rates by the lenders they broker to, kind of like getting a discount at Sam's or CostCo when you buy something in bulk.

3. They have more support than any company I have ever seen, while still allowing employees to work remotely.

What made you decide to get into the mortgage industry?

I had been a realtor back in the 1990's, and then a family friend became a Loan Officer and started talking to me about it. I decided to take the leap and am so glad I did! Come to find out, my own grandfather was in Finance at one time, long before I was born, so it must have been something in my genes that attracted me and then made me fall in love with the mortgage business.

Where did you grow up?

I was born and raised in Del Rio, TX until I was 13 years old. We then moved to Killeen when my parents (who were both educators) bought the Western Auto.

As an adult I lived mostly in Austin, but now I hang my hat in Seymour, TX where I chose to raise my son, mainly due to the fact that I felt a smaller town was a better place to raise a child, plus we had family connections here dating back to the 1890's. My great granddad was even a famous chuckwagon cook on the Waggoner Ranch, of all things!

What is something you wish every borrower knew?

I wish every borrower knew that even if they don't qualify now, that doesn't mean "no" so much as it means "not right now." When borrowers do not qualify, I do my best to show them how they CAN qualify in the future. I also wish they knew that putting even an extra $25 toward their mortgage principal every month could save them thousands of dollars in interest over the years. For this reason, I have an Extra Payment Calculator embedded in my Calculator page on this site.

What are your professional goals?

My main focus in the coming months will be growing webinars, podcasts, and resources so Realtors and buyers always have a “pretty little cheat sheet” for anything mortgage-related. There is not enough education out there about the mortgage process, so I would also like to advocate for schools to provide this info to kids in high school before they get out in the working world so that they they can make more educated financial choices.

What do you like to do for fun?

I love being a football mom and literally have a 10-inch cowbell for football games, much to my son's chagrin. I adore reading novels and writing poetry, but I don't always have time for that right now as a single mother of a teenager. When I get back down to Austin to visit, I like going to festivals and concerts, as well as kayaking on Ladybird Lake. I recently took up meditation a-la-Silva-Method style, and it has made me feel truly centered in a way nothing else ever has.

Kelly's Zillow Reviews

★ ★ ★ ★ ★
Awesome!!
"I was a bit apprehensive... Kelly was the opposite. I was relieved... she was Driven, down to earth, optimistic, personable, and Educated on the market... She helped my partner and I every step of the way and we are so grateful for that."
- Elizabeth Blanchard (Beth)
Wichita Falls, TX
★ ★ ★ ★ ★
Kelly was the absolute best!
"Kelly made homebuying feel great! She helped me with every hurdle until the finish line... I didn't even think I could get a loan or buy a home, but here I am sitting in my living room telling yall how great Kelly and Victory Home Loans are."
- Amber B
Wichita Falls, TX
★ ★ ★ ★ ★
Always There For You
"Throughout the whole process Kelly was available and worked tirelessly. She is on your side... Kelly has a lot of knowledge... I would 100% recommend Kelly and work with her again. You will be in the right hands."
- Wybon Kaganak
Killeen, TX

Contact Us

Kelly Fest

NMLS # 202374

[email protected]

972-854-3270

NEXA Mortgage LLC

https://nexamortgage.com

NMLS #1660690

AZMB #0944059

Corporate Office

5559 S Sossaman Rd

Bldg # 1 Ste # 101

Mesa, AZ 85212

NvEXA Mored.

All Rights Reserved. NEXA Mortgage, LLC NMLS# 1660690, Kelly Fest NMLS# 202374 | CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
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