A Smarter Way to Get a Home Loan. Less Paperwork. Less Stress.
Your Home. Your Terms. Our Support.
Home Loans Without The Hassle
Everything you need to know, explained clearly and without confusion!
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Innovation
Fresh, creative solutions.
Integrity
Honesty and transparency.
Excellence
Top-notch services.
Meet david
Hey, I'm Dave!
Your dedicated mortgage loan officer with years of experience and a passion for helping people achieve homeownership the smart way.
Whether you're a first-time buyer, a military veteran, or looking to invest in real estate, I have the expertise to guide you through the process seamlessly.
Trusted by PNW's Top Real Estate Agents
VA and First Time Buyer Loan Expert
Voted Best of BuseinessRate 2024 and 2025
Ranked Top 1% of Mortgage Loan Officers in the Nation
A transparent mortgage experience supported by modern tools and real people.
Less Guessing. Less Paperwork. More of What Matters.
How We work
At Lesser Lending, we focus on simplifying the mortgage process so you can make informed decisions without unnecessary confusion or stress.
We work with future and current homeowners to provide clear guidance, efficient communication, and a process built around transparency. Whether you are buying your first home, refinancing, or investing our approach stays the same.
Clarity first. Confidence follows.
A Mortgage Process Built Around Clarity
Less guessing about requirements and timelines
Less paperwork and unnecessary back and forth
Clear expectations from the beginning
Consistent communication throughout the process
Guidance tailored to your specific situation
First-time home buyers
Veterans and active-duty service members
Buyers using down payment assistance programs
Homeowners exploring refinance options
Clients who want guidance before making decisions
Choose the Path That Fits You
VA Loan Masterclass
Learn how VA loans work and how to
use your benefit with confidence.
First-Time Home Buyer and Down Payment Assistance Masterclass
Understand loan options and assistance programs designed to reduce upfront costs.
One-on-One Loan
Strategy Conversation
Discuss your situation and receive clear next steps.
Built on Transparency and Long-Term Relationships
Our business is built on clear communication, accurate expectations, and consistent follow-through. Clients return and refer others because they understand the process and feel supported from start to finish.
Meet the Team of Professionals
Behind every smooth closing is a strong team. My trusted support staff works tirelessly to keep your loan moving, your questions answered, and your closing on track. Together, we deliver speed, accuracy, and the kind of service that turns first-time clients into lifelong relationships.
Dave Kelly
Sr. Loan Officer
NMLS ID# 189561
Julian Meredith
Loan Officer
NMLS ID# 2645624
Ali Kees
Loan Coordinator
Taylor McGee
Application Specialist
Ready T0 dive right in?
Get Started Today!
You’ve been referred to me by a trusted real estate professional. My role is simple: Make your home buying experience smoother, faster, and less stressful while helping you secure the best financing possible. I’m not here just to approve a loan; I’m here to make sure you feel informed, confident, and cared for every step of the way.
Voted Best in Spokane Valley
2024 and 2025 by BusinessRate
STILL NOT SURE?
Frequently Asked Questions
Got questions? You’re not alone. Here are some of the most common questions we get from home buyers; along with straight, simple answers to help you feel confident about your next step.
What makes Lesser Lending Group different from other lenders?
We combine competitive rates with personal service you won’t find online. You get direct access to me and my team, real answers in real time, and a process designed around your goals. Not a call center script.
Do you work with first-time home buyers?
Absolutely. We guide first-time buyers through every step, from finding the right loan program to securing down payment assistance. You’ll always know what’s happening and why. David is a WA State Certified Instructor for Down Payment Assistance and First Time Buyer Programs.
How fast can I get pre-approved?
Most clients receive a solid pre-approval within 24 hours, often the same day. Once you’re pre-approved, you can start shopping for homes with confidence.
Do you offer VA loans?
Yes. As a veteran myself, I specialize in VA loans and know how to maximize the benefits you’ve earned. Often with no down payment, competitive rates, and lower closing costs. I make the process clear, fast, and stress-free for fellow service members.
Why work with a local lender instead of an online lender?
Online lenders can look fast and easy, but they often lack the personal touch and local expertise to navigate your unique market. We know the area, work hand-in-hand with your agent, and can move quickly to win offers. You'll also have 24/7 on call access to my personal cell phone. Something big online lenders can’t match.
Ready to Take the Next Step?
Whether you are actively buying or simply gathering information, a conversation is a good place to start. A transparent mortgage experience supported by modern tools and real people. Less guessing. Less paperwork. More of what matters.
Copyright 2026. Lesser Lending Group - David Kelly. All Rights Reserved.
Lesser Lending Group is powered by Canopy Mortgage, LLC | 360 Technology Court, Suite 200 Lindon, UT 84042 | 877-426-5500 | NMLS Consumer Access #:1359687 | Equal Housing Lender | All loans subject to credit and property approval | Rates subject to change without notice | Calculators are self-help tools. All examples are hypothetical and are for illustrative use only.
