Make it understandable
Complicated mortgage information is translated into plain language so borrowers can make informed decisions.
Kelly Capozzi, Mortgage Loan Officer.
Kelly Capozzi combines mortgage experience, a military-family perspective, and a talent for making complicated information feel clear and manageable.
The story behind the guidance
Get to Know Kelly
Kelly enjoys working with all types of buyers, but military families hold a special place in her heart. As an Army brat and a military spouse of more than 17 years, she knows how much goes into making a new place feel like home.
Her family has experienced numerous military moves, and she has personally purchased three homes using the VA loan benefit. She understands VA loans from both sides: as a mortgage professional and as a military-family homebuyer with firsthand experience. As a Certified Veterans Lending Specialist, Kelly brings additional VA lending education to her work.
Before becoming a licensed mortgage loan originator, Kelly worked in mortgage marketing and business development.
Outside of work, Kelly is a mom of three, and you’ll often find her cheering from the sidelines at her children’s sporting events. She’s an avid reader, grounded in her faith, and always up for a good thrift-store find or a DIY project.
Football weekends mean cheering on her beloved Georgia Bulldogs and Pittsburgh Steelers, proudly representing her Georgia roots and her husband’s Pennsylvania roots.
How Kelly works
Education first. Honest answers. A plan you understand.
Kelly believes the best mortgage experience starts with clear information and a strong team working together from the beginning.
Be direct and honest
Every option has tradeoffs. Kelly explains them clearly instead of pushing a one-size-fits-all answer.
Build the full plan
The goal is not only a closing. It is a path that fits the borrower’s timeline, priorities, and bigger picture.
Quick answers
Get to know Kelly Capozzi
What is Kelly Capozzi’s mortgage background?
Kelly Capozzi is a licensed Mortgage Loan Officer with First Coast Mortgage Funding LLC, NMLS #2553001. Her earlier work in mortgage marketing and business development helped shape her plain-language, education-first approach to borrower and Realtor conversations.
Why does Kelly focus on military families?
Kelly is an Army brat, a military spouse of more than 17 years, and a Certified Veterans Lending Specialist. She has experienced numerous military moves and personally purchased three homes using the VA loan benefit, giving her firsthand perspective alongside professional training.
Where is Kelly Capozzi licensed?
Kelly is licensed to originate mortgages in Florida, Georgia, and Pennsylvania through First Coast Mortgage Funding LLC. Program availability still depends on the borrower, property, occupancy, and current lender and agency requirements.
Beyond lending
Connection is part of the job.
Kelly is a wife, mom of three, community advocate, and passionate marketer who enjoys supporting local businesses and creating useful content with real estate partners.
“You deserve to understand one of the biggest financial decisions you will make.”
Close with Capozzi
Connect
Follow Kelly. See what clients are saying.
Find practical mortgage education, local insights, and behind-the-scenes moments—or visit Kelly’s Google Business Profile to read more client feedback.
Recent Google reviews
Five-star feedback from recent clients.
5.0 from 14 Google reviews
★★★★★
“Extremely professional and knowledgeable…takes the time to explain details.”
★★★★★
“Very thorough and professional. Always available…”
★★★★★
“Knowledgeable, super responsive…made the entire process stress free.”
Let’s talk about your next move.
A 15-minute strategy call is a simple place to start, even if you are still early in the process.