I read the fine print.
Eighteen years as a paralegal taught me that a detail buried on page nine can follow you for years. I read every line closely, so you never have to wonder what you signed.
Independent mortgage broker Licensed in 14 states
A clearer path to your next home.
Buying or refinancing is one of the biggest financial decisions you'll make, and it shouldn't feel confusing or rushed. I'm Shelly Leggett. I compare options across multiple lenders, read every line closely, and walk with you from the first question to the closing table.
Your mortgage, read closelyNMLS #2644875
§1Multiple lenders compared before you choose.
§2One person, start to finish.
§3Most loans close in about 20 days.
§4No credit check to start the conversation.
Shelly Leggett
Reviewed personally
Clarity first. Strategy always. No pressure.
Why work with Shelly
A mortgage isn't a rate on a screen. It's a contract you live inside for decades. Here's what that means for how I work.
You get options, not one product.
As an independent broker, I compare loan options across multiple lenders. A bank can only offer what the bank sells.
You work with me, start to finish.
No call center and no rotating team. The person you talk to first is the person who takes your file to closing.
Most of my loans close in about 20 days.
Being a solo broker means your file doesn't wait in a long queue, and you'll always know where things stand.
Problems surface early, not at closing.
I bring a project manager's discipline to every file, asking questions early and solving issues before they become closing-day surprises.
You get the honest answer.
Even when that answer is “not yet,” and even when it costs me the deal. A mortgage is a contract you live inside for decades.
Hi, I'm Shelly.
I spent 18 years as a paralegal before I ever wrote a loan, so I know how much a single detail can matter. Today, I compare options across multiple lenders, explain everything in plain English, and stay with you from the first question to the closing table.
If the answer is “not yet,” I'll tell you, and help you make a plan to get there.
Two ways to work together
For homebuyers & homeowners
Guidance that fits your life
- Honest answers about what you can afford
- Options compared across multiple lenders
- Plain-English explanations of every document
- One point of contact from hello to closing
For real estate agents
A lender partner who protects your deals
- A direct line to the person handling the file
- Pre-approvals reviewed closely up front
- Proactive updates, without the chasing
- Most loans close in about 20 days
Find the loan conversation that fits
A first-time buyer and a landlord buying a fifth rental need very different things from a lender. We start by figuring out which situation you're in.
Homebuyers
You're house hunting, about to start, or want to know what's possible before you look.
Learn moreRefinance
You already own your home and want to change the loan on it.
Learn moreReal Estate Investors
You're buying property to rent out, or you already own rentals and want to grow.
Learn moreCommercial Property
You're financing property that isn't a one-to-four unit home.
Learn moreSelf-Employed Borrowers
You're 1099, own a business, or your income is hard to document on a W-2.
Learn moreBroker or bank?
If your situation is simple, both can work. The broker advantage shows up when it isn't.
A bank
- Offers only its own loan products
- Your file may pass through several departments
- One set of guidelines to fit into
Shelly, an independent broker
- Compares options across multiple lenders
- One person handles your file start to finish
- More paths for self-employed buyers, investors, and unique situations
How it works
Start with a conversation
About 20 minutes by phone or video. No credit check and no cost. Just your goals and questions.
Compare real options
I review your situation, compare lenders, and explain your choices in plain language.
Close with confidence
Clear updates at every step, and most of my loans close in about 20 days.
What clients and agents say
★★★★★
"I felt able to connect with Shelly anytime I had a question. In my opinion, she is the only person I feel truly comfortable referring my future clients to."
★★★★★
"I had an outstanding experience working with Shelly throughout my loan process. From start to finish, she was knowledgeable, responsive, and incredibly helpful every step of the way."
The Fine Print
Straight answers to the mortgage questions I hear most, written in plain English.
What's the difference between a mortgage broker and a bank?
A bank sells its own loans. A broker compares yours across many lenders.
Do I need 20% down to buy a home?
Often, no. Many programs allow much less.
How long does it take to close on a mortgage?
Timelines vary, but most of my loans close in about 20 days.
Licensed in 14 states
The property's location determines which license applies, not where you live.
ALAlabamaCOColoradoFLFloridaGAGeorgiaINIndianaMEMaineMIMichiganMOMissouriNCNorth CarolinaOHOhioPAPennsylvaniaSCSouth CarolinaTNTennesseeVAVirginia
Ready when you are.
It starts with a conversation, not an application. No credit check, no cost, no pressure.
Or call or text 470-770-1394