About Members Direct Home Loans

Why Choose Members Direct? At Members Direct, we don’t do cookie-cutter loans or treat you like a file number. We keep it simple: low costs, full transparency, and answers that actually make sense. With 20+ years in the game, our founder Kelly Welton (NMLS #1143904) has seen it all—from running small teams to leading 400+ people—and he built Members Direct to flip the script on the mortgage industry. No hidden fees, no pushy sales vibe, no “one-size-fits-all” loans. Just straight talk and smart solutions built around you. Whether you’re buying your first home, refinancing for a lower payment, or pulling cash out to invest, we’ll guide you through it without the jargon or runaround. We’re local, we’re experienced, and we’ve got your back every step of the way. At Members Direct, you’re not just another borrower—you’re part of the fam.

NMLS #1143904 — Verify on NMLS Consumer Access — Profile last updated: February 13, 2013