For people 62 and better · serving the Upper Midwest
I'm Kelly Kelly — the Upper Midwest's reverse mortgage specialist with Fairway Home Mortgage. From my Sioux Falls home base I help homeowners 62+ across six states put their housing wealth to work: eliminate the monthly payment, open a line of credit that grows, or right-size into the home that fits this chapter. It starts with one friendly question…
Have you had your home equity check-up?
0+
Eligibility starts at 62
$0M
2026 HECM lending limit
$0
Required monthly P&I payment
0
Upper Midwest states served
Borrowers must continue to pay property taxes, homeowners insurance, and home maintenance costs. 2026 HECM maximum claim amount per HUD.
Where Kelly serves
Kelly's reverse practice spans six states — in person around the Sioux Falls area, and by phone or video everywhere else she's licensed. Same check-up, same education-first approach, whether you're in the Black Hills, the Twin Cities, or a lake cabin in Wisconsin.
Meet Kelly
I'm a Retirement Mortgage Specialist with Fairway Home Mortgage — based in Sioux Falls, serving people 62 and better across the Upper Midwest — and reverse mortgages aren't a side product for me: they're the whole practice. My very first reverse mortgage was for a couple aged 101 and 102 who had outlived their money but not their home. That loan changed their last chapter, and it changed my career.
Since then I've helped families across South Dakota, Minnesota, North Dakota, Iowa, Missouri, and Wisconsin use their housing wealth to retire on time, stay in homes they love, help grandkids launch, and yes — take the trips. Education first, always: bring your questions, your family, even your financial advisor. The check-up is free, and so is a straight answer.
Your first steps
A free, friendly review of your equity, your goals, and your real numbers. No pressure — most check-ups end in understanding, not loans.
Eliminate the payment? Open a growing line of credit? Right-size with the H4P? We match the tool to your plan — or conclude none fits.
Every reverse borrower completes a session with a HUD-approved counselor — an independent expert in your corner. Required, and genuinely useful.
Application, appraisal, underwriting, closing — Kelly walks every step with you and your family. Then: memories, not mortgage payments.
It's your equity — make it work for you
Every strategy below is a real conversation Kelly has every week. Tap any of them for the plain-English version — who it fits, how it works, and the honest trade-offs.
Use a HECM to pay off your current mortgage and retire the required monthly principal & interest payment for as long as you live in your home.
Explore this strategy →A reverse mortgage line of credit gives you a credit line whose unused portion grows over time by program rule — with no required monthly mortgage payment.
Explore this strategy →The HECM for Purchase (H4P) lets you buy your next home with a substantial down payment — and no required monthly mortgage payment on the rest.
Explore this strategy →Use housing wealth as a bridge — retire on your timeline, cover the gap to Medicare, and let your Social Security benefit grow toward the maximum at age 70.
Explore this strategy →When rising property taxes and insurance make you question whether you can afford to stay, a HECM can turn your equity into the fund that keeps you home.
Explore this strategy →Converting a traditional IRA to a Roth means paying tax now. Housing wealth can cover the conversion tax so your invested dollars stay invested.
Explore this strategy →Use housing wealth to help a grandchild buy a first home, pay for college, or get a reliable car — and be there for the moment.
Explore this strategy →One spouse keeps the home with a HECM refinance; the buyout funds the other spouse’s H4P purchase. Two households, no required mortgage payments.
Explore this strategy →Roth conversions, gray divorce, long-term care, and more — the full playbook for putting a lazy asset to work.
All strategies →Client stories
Highlights paraphrased from real client stories shared with Kelly — read the originals anytime on Experience.com.
Used the reverse purchase program to buy a home with roughly half the cash a traditional purchase would have taken — with no monthly mortgage payment required. Says Kelly made the whole thing easy, and even fun.
Jerry K. · South DakotaReverse Purchase (H4P)
Paid off her existing mortgage with a HECM and redirected that old payment to whatever she wants. Still owns her home, still in her forever house — and says Kelly handled every detail and made sure she understood each step.
Linda D. · South DakotaHECM Refinance
Went in hesitant and came out extremely happy. Kelly explained the entire program in plain language, stayed on top of every step, finished the paperwork early, and returned every call promptly.
Verified client · Sioux Falls areaHECM Refinance
Used the reverse purchase program to buy a home with roughly half the cash a traditional purchase would have taken — with no monthly mortgage payment required. Says Kelly made the whole thing easy, and even fun.
Jerry K. · South DakotaReverse Purchase (H4P)
Paid off her existing mortgage with a HECM and redirected that old payment to whatever she wants. Still owns her home, still in her forever house — and says Kelly handled every detail and made sure she understood each step.
Linda D. · South DakotaHECM Refinance
Went in hesitant and came out extremely happy. Kelly explained the entire program in plain language, stayed on top of every step, finished the paperwork early, and returned every call promptly.
Verified client · Sioux Falls areaHECM Refinance
No dumb questions here
HECM, H4P, RELOC, LESA — this industry loves an acronym. Kelly's job (and this site's job) is translating all of it into plain English so you can decide with confidence. Start withReverse Mortgage 101, bust some myths, or browsethe glossary. No email walls, no gates — it's all just here.
No cost, no pressure, no jargon — just a clear look at what your housing wealth could do in your retirement plan. Text, call, or schedule whenever you’re ready.