Headshot of Kelly O'Sullivan

Kelly O'Sullivan

Sr. Loan Officer

FMZ Team

NMLS #349711

2987 College Ave.
Berkeley, CA 94705
Contact Methods
tel Phone
mobile Mobile
(925) 989-4771
fax Fax


About Kelly

With 18 years of experience in the mortgage business, I have worked through many different markets. What sets me apart is my commitment to providing exceptional service to a diverse range of clients. From first-time homebuyers to move-up buyers and investors, I have successfully navigated through various challenging scenarios.

One of my specialties is with down payment assistance for homebuyers and I'm a certified lender with the CalHFA program and AC Boost. I understand the importance of making homeownership accessible and affordable and I'm dedicated to helping those that may not think it's possible to buy a home.

In life, I try to be a well-rounded mom, colleague, and friend. I enjoy the wilderness (I climbed Half Dome in Yosemite!), traveling, sports, and watching live comedy. I am currently coaching my daughter's soccer team. During my college years, I studied abroad in France for a year, which was the beginning of my travel bug. Last year, my family and I visited Ireland and France, the kids loved the pain au chocolates!


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

A homeowner and child waving goodbye to mortgage insurance with Bye-Bye PMI

Save on your mortgage every month

Say Bye-Bye PMI


Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI).

CCM Bye-Bye PMI offers qualified borrowers a conventional mortgage for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

Start Here

First time homebuyers admiring their new home

Ready to buy your first home?

Our wide range of mortgage options can help you achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options

  • Home loans with as little as 3% down
  • Temporary buydowns to lower your mortgage rate at the start of your loan
  • Down payment assistance from national and state programs
  • Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership.
Let’s discuss your options today.

Contact Me

Recent Posts and Articles


Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 510-466-1159