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Chelsea

Chelsea Winstead

VP of Lending

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NMLS ID# 2674299

Contact
Monday: 9am – 5pm
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm

About Chelsea

Buying a home is one of the biggest financial decisions youll ever make—and I dont think anyone should have to figure it out alone. My career started as an Air Force Officer, where I learned how to lead under pressure, solve complex problems, and make confident decisions with the information available. After spending the past decade building businesses of my own, I discovered my favorite work has always been helping people understand complicated things in a way that actually makes sense. Thats exactly how I approach home financing. Im an educator first and a mortgage professional second. Whether were discussing credit, down payment strategies, interest rates, loan options, or timing your purchase, my goal is to give you the knowledge and confidence to make the right decision for your life—not to pressure you into one. I also believe buying a home is about much more than the loan itself. Thats why I help clients build a complete strategy from day one, including connecting them with trusted local real estate agents when they need one, coordinating the right professionals, and creating a plan that supports both their short-term goals and long-term financial future. Outside of working with clients, I share educational content with thousands of home buyers online, breaking down mortgages, market trends, and the buying process into practical advice thats easy to understand. Whether youre buying your first home, relocating, or simply exploring your options, my goal is simple: help you make smart decisions, avoid expensive mistakes, and feel confident every step of the way.

I am licensed in: AL, AZ, DC, FL, GA, IL, IN, MI, MT, NC, OK, PA, TN, VA, WA

How much house
can I afford?

Fine-tune your payment based on interest, rates, term, and down payment.

Est. Monthly Payment
(P&I, Taxes & Insurance)

$1,814.04
Loan Term

Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.

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