Kelly Loveland

About Kelly

With nearly two decades of experience in finance and more than 15 years dedicated specifically to mortgage lending, Kelly Loveland brings both expertise and intention to every client relationship. She began her career in finance in 2006 and has focused exclusively on home lending since 2009, helping individuals and families make confident, well-structured decisions around one of the most significant financial moments of their lives. Kelly specializes in home loan strategy, looking beyond rates and monthly payments to thoughtfully structure loans that position her clients for long-term financial strength. She believes a mortgage should support a client’s life —not limit it — and takes pride in guiding borrowers toward smart, personalized options that align with their goals. Born and raised in Wyoming, Kelly has a deep appreciation for wide-open spaces, rural communities, and the importance of genuine relationships. Clients often describe working with her as having access to large company lending options paired with the care, communication, and trust of a small-town relationship. She is also a first responder and remains actively involved in her community — reflecting a commitment to service that extends well beyond the office. Outside of work, Kelly is a wife and the proud mother of two wonderful children. She understands firsthand how financial needs evolve, and values walking alongside clients through every stage of life — whether purchasing a first home, moving up as a family grows, or downsizing into a home for the retirement years. Kelly’s goal is simple: to be a steady, knowledgeable partner clients can rely on through every homeownership transition in life. Waterstone Mortgage Corporation (NMLS #186434) is headquartered in Brookfield, Wisconsin, and is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Equal Housing Lender. All loan requests are subject to credit approval and program guidelines. Information published on this site should not be construed as legal advice or credit counseling. Waterstone Mortgage Corporation is not a licensed real estate broker. Any advertisement on this page is an advertisement for real estate financing only and should not be construed as an advertisement for the sale of real estate. Disclosures & Licenses: https://www.waterstonemortgage.com/policies/disclosures-licenses General Disclaimer: https://www.waterstonemortgage.com/policies/terms-conditions