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Eric Kelly

Birmingham, AL

Eric Kelly

Branch Manager / Loan Officer | NMLS #: 78396

M 205-542-2327 O 205-776-8400 [email protected]

Apply With Eric

Real Reviews from Real Homebuyers

4.91 Stars Based on 573 Reviews
David

Altoona, AL

"Eric is great yo work with will use him for all of my transactions in the future"
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Neal D

Dothan, AL

"Eric and Alex were"
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Alicia

Calera, AL

"It was great working with you! Loved the communication and that you went above and beyond for my client! Tnanks again!"
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Tracey

Trussville, AL

"⭐⭐⭐⭐⭐ I can’t say enough good things about Eric Kelly and the experience I had working with him. My home-buying journey was definitely not a quick one! I started looking back in 2023, and it took me until 2026 to finally find the house that was as close to my dream home as I could get. Through all of that time, Eric was incredibly patient, kind, and always willing to help. He never made me feel rushed or like I was bothering him, no matter how much time had passed or how many questions I had. When I needed something explained, he explained it. When I needed help, he was there. He consistently went above and beyond and was always just a phone call or message away. Buying a home can be stressful, especially after searching for as long as I did, but Eric made the financing side of the process so much easier. He was knowledgeable, dependable, encouraging, and genuinely seemed to care about getting me across the finish line. Three years later, we finally made it! I’m incredibly grateful for Eric’s patience and support throughout the entire journey. If you’re looking for someone who will stick with you, answer your questions, and truly go the extra mile, I would absolutely recommend Eric Kelly. Thank you, Eric, for helping me finally get home! ❤️🏡"
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Melissa

Gardendale, AL

"Eric and Alex were very communicative and kept me informed at every turn! They went above and beyond to ensure the process was smooth. Highly recommend!"
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Chadd

Gardendale, AL

"Eric and his team were great to work with. They made the entire home-buying process smooth, pleasant, and stress-free. They were professional, helpful, and easy to work with from start to finish. I highly recommend Eric and his team to anyone looking to purchase a home."
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Kyle

Athens, AL

"Great communication, easy process"
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Kasey

Athens, AL

"Eric provided an excellent experience throughout the entire mortgage process! Communication was outstanding, and we always felt informed and taken care of. Everything was handled professionally and efficiently, making the entire process feel seamless from start to finish. We couldn’t have asked for a better experience!"
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Tonya

Athens, AL

"Eric and his team communicated well with me (seller's agent) during the closing process. Everything was done in a timely and professional manner."
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Carly Regina

Mountain Brook, AL

"Eric has been extremely responsive when we have made offers in the past. When we got under contract, he was a great communicator and got us to closing on a tight deadline! Loved working with him."
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Jordan Wayne

Moody, AL

"Eric and his team did a phenomenal job with guiding me through the whole process! I would recommend Eric for anyone looking to buy a house to give him a call!"
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Leslie Roop

Birmingham, AL

"Text messages when I need to sign something. I don't check my personal email v frequently"
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Crunch The Numbers!
Estimate Your Payment

Get an idea of what your monthly payment may look like. For a full estimate, call me, your mortgage expert!

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years
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%
$
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Your LTV is less than 80%, so you will not need to pay PMI.

$
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$3,500

Monthly Payment

Real APR

0

Monthly Taxes

208

Monthly HOA

0

Monthly Insurance

50

Monthly PMI

0

Monthly Principal and Interest

0

Calculators provide estimates only. Estimates shown should not be considered exact payments. Contact your local loan officer for precise and personalized information. See full legal disclosures.

Legal Disclosures

The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.

Here’s a payment example based on an average home price and the most common loan type:

Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%

One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.

1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.

Resources

Downloadable Guides

We’ve created these guides to be a valuable resource to walk you step-by-step through your next adventure.

About Eric

Eric Kelly is the Branch Manager/Loan Officer for the Birmingham, AL Branch of Assurance Financial! 

Eric has a beautiful wife  Michelle, and two daughters, Lillian Grace  and Vivienne.

Eric spent his college days at LSU, where he earned his Bachelor of Science in Finance, which paved the way for his 20 years of experience in the mortgage industry. Thanks to Hurricane Katrina, Eric was forced to move in 2005 and chose Birmingham as his new home. He had been working as a loan officer/mortgage broker (there is a difference) for Atlantic Lending Company and upon his displacement, decided to make a fresh start and agreed to assist Assurance Financial in opening the first branch in Alabama. The Birmingham branch consistently ranks in the top Assurance Financial branches!

Eric says, “I am driven, not by the dollar, but by the relationships I am building along the way. I thrive on beating my competition, customer service aside, as I am typically able to offer purchasers the lowest rate available. The company’s platform enables me to offer a quick turnaround time, standard is three weeks, but I have closed a loan in as few as seven days! I have bought many houses and I know the pressures that go along with the process. For that reason, I am available to you 24/7. This is the biggest investment of your life and remember there are never any stupid questions and I look forward to helping you get into your new home!”

Did you get this? A free 15 minute phone call can answer a lot of your questions. Let’s talk!

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My Services
  • New Home Purchase Loans
  • Refinance Loans
  • FHA and Rural Development Loans
  • Veteran (VA) Loans
  • Construction and Renovation Loans

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Send Eric a message

500 Office Park Drive
Suite 410
Birmingham, AL 35223

(205) 542-2327

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Free Realtor Tools

My Realtor partners get free access to marketing tools such as single property websites, open house flyers, database management software, and more! Email me to get started.

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Realtor Resources

Downloadable Guide for Realtors

This helpful mortgage guide is a great resource for our partners. Check it out!

Mortgage Term Glossary

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Our Loan Process

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Mortgage Calculators

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By submitting this form, you agree to receive marketing text messages from Assurance Financial at the number provided. Message and data rates may apply. Message frequency varies. Reply STOP to unsubscribe or HELP for assistance. For more details, please review our Privacy Policy and Terms & Conditions at AssuranceMortgage.com/privacy-policy