Emily McKelvey

CLOSE FASTER WITH NAF CASH

Give your homebuyers the competitive edge they need in today's housing
market. NAF Cash allows qualified buyers to make non-contingent cash
offers, helping them stand out from the competition and close on their
home with confidence. Fast approvals, flexible terms, and the backing
of New American Funding's trusted expertise.

Lean How NAF Cash Works

No SSN required. Zero credit impact. It takes less than 1 minute.

Key Benefits

Make stronger, cash-backed offers

Close in as few as 10 days

No financing contingency needed

Seamless conversion to permanent financing

About Me

Loan Consultant

I'm different than most mortgage lenders.Most lenders will simply quote you an interest rate. I believe in addressing my customers' holistic financial condition. Your home is more than an interest rate. It's an investment, a retirement plan, a place to raise your children, and a refuge.My focus is on relationships instead of volume. I'm not trying to close 25 loans per month. I probably won't ever make my company's "...

I'm different than most mortgage lenders.

Most lenders will simply quote you an interest rate. I believe in addressing my customers' holistic financial condition. Your home is more than an interest rate. It's an investment, a retirement plan, a place to raise your children, and a refuge.

My focus is on relationships instead of volume. I'm not trying to close 25 loans per month. I probably won't ever make my company's "President's Club" for top salespeople. And that's OK with me. I'd rather close fewer loans and have deeper relationships with my customers. That's just how I prefer to work. I love the process of becoming a friend and an advisor to my clients and customers.

After the application is signed, I remain very involved in the process. I don't pass my customers off to an assistant or processor. I have an assistant and processor, but they work on the "back end" of things, handling appraisal, title, insurance, tax transcripts, etc. This frees up my time to be an advocate for my customers.

I also remain a vital point-of-contact after the loan closes. My customers don't have to call an 800 number if they have questions or concerns about their mortgage loan. They have my cell phone number. I frequently help customers replace lost tax paperwork, change automatic payment instructions, and confirm that property taxes are paid properly. I enjoy keeping in touch with customers after their loan closes.

Since 2001, I've played many roles in the mortgage industry. I've worked as a loan officer, processor, and I've even done some underwriting. I've worked for small mortgage brokers and monstrous megabanks. I've literally closed thousands of mortgage loans in my career.

I currently manage the Port Townsend, WA branch of New American Funding. I have a Bachelor's Degree in Math from Georgia State University. And serve on the boards of Habitat for Humanity of East Jefferson County and the Real Estate Professionals for Affordable Housing. Affordable housing is my passion.

You'll also find me teaching continuing education classes for REALTORS, hosting public "Lounge & Learns" to discuss various financial topics, and speaking at local events like Chamber of Commerce meetings.

I was awarded the Affiliate of the Year by the Jefferson County Association of Realtors in 2017. And I received the Associate Appreciation Award from the Jefferson County Home Builder's Association in 2014. I live in Port Townsend with two dogs, a bird, and a tortoise.

.... My Customers Are ....

Soon-to-be retirees purchasing vacation homes that will become primary residences upon retirement
Professionals acquiring luxury, water-front homes
Veterans utilizing their VA mortgage loan eligibility
First time home buyers
Investors taking advantage of a great real estate market
And everyone and everything in between!

…. Specialties ….

Self employed
Second / vacation homes
Luxury homes / jumbo mortgages
Retired
Investors
Washington state bond / down payment assistance
First time home buyers
Real estate education

.… Contact Me ….

Email: emily.ingram@nafinc.com

Web Site: http://www.emilycaryl.com

I primarily serve Jefferson County, WA and the communities of Port Townsend, Port Hadlock, Nordland, Marrowstone Island, Chimacum, Port Ludlow, Quilcene, and Brinnon. However, I am licensed throughout Washington state and can facilitate transactions in most states in the US.

NMLS #113586

AKAs/common misspellings: Emily Caryl, Emily Carol

Oh yeah. I occasionally skip work to go sailing.

Customer Reviews

Our Customers Love Us!

4.9/5 Based on 145 reviews

Great team led by Emily , timely responses , reliable support through the mortgage process, easy to get hold of , true effort on their part every step of the way

5.0

Taine G.

12/28/2023 Port Townsend, WA

Emily is just awesome! She knows her stuff and does a great job at closing loans. She’s easy to work with and looks at the whole picture to find the best solution / product for the borrower.

5.0

Nicole B.

10/4/2023 Port Townsend, WA

Emily has a PHD in lending! She made this tough transaction a success for all parties involved. Best of all she helped a young, hardworking, growing family achieve homeownership!

5.0

David W.

10/19/2019 Chimacum, WA

She was very helpful throughout the process

4.3

Dustin L.

10/17/2019 Chimacum, WA

Outstanding

5.0

Benjamin K.

10/17/2019 Port Ludlow, WA

5.0

Sheryl B.

10/14/2019 Port Ludlow, WA

No matter how many mortgages you have had, it can be daunting. At no point were we ever feeling stranded. Almost instant response time. For our questions. Thanks!!

5.0

Susan S.

10/14/2019 Port Townsend, WA

Emily just helped me refinance my mortgage to take advantage of the current lower interest rates. After such a great experience with my original home purchase, I knew I could trust her with the re-fi. The whole process was quick, easy, and I'm now saving a TON of money on my monthly payment! I will never go anywhere else or recommend anyone else for this kind of stuff...Emily is simply the best!

5.0

James S.

10/11/2019 Chimacum, WA

Great team led by Emily , timely responses , reliable support through the mortgage process, easy to get hold of , true effort on their part every step of the way

5.0

Taine G.

12/28/2023 Port Townsend, WA

Emily is just awesome! She knows her stuff and does a great job at closing loans. She’s easy to work with and looks at the whole picture to find the best solution / product for the borrower.

5.0

Nicole B.

10/4/2023 Port Townsend, WA

Emily has a PHD in lending! She made this tough transaction a success for all parties involved. Best of all she helped a young, hardworking, growing family achieve homeownership!

5.0

David W.

10/19/2019 Chimacum, WA

She was very helpful throughout the process

4.3

Dustin L.

10/17/2019 Chimacum, WA

Outstanding

5.0

Benjamin K.

10/17/2019 Port Ludlow, WA

5.0

Sheryl B.

10/14/2019 Port Ludlow, WA

No matter how many mortgages you have had, it can be daunting. At no point were we ever feeling stranded. Almost instant response time. For our questions. Thanks!!

5.0

Susan S.

10/14/2019 Port Townsend, WA

5.0

James S.

10/11/2019 Chimacum, WA

NAF News

Homebuyers

Get started with a custom mortgage rate quote today!

Your Path to Homeownership Starts Here.

No SSN required. Zero credit impact. It takes less than 1 minute.

Get started with a custom mortgage rate quote today!

Emily McKelvey

CLOSE FASTER WITH NAF CASH

Key Benefits

Emily McKelvey

Loan Consultant

Our Customers Love Us!

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Get started with a custom mortgage rate quote today!

Emily McKelvey

CLOSE FASTER WITH NAF CASH

Key Benefits

Emily McKelvey

Loan Consultant

Our Customers Love Us!

Related Articles

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Why It’s Never Too Late to Become a First-Time Homebuyer

Get started with a custom mortgage rate quote today!

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