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Buying a house is one of the most important purchases in your life, whether it’s your first home, downsizing, or moving to fit your growing family. As a local loan officer, Kelly Barnes enjoys helping her clients making their dream home purchase a reality.  Kelly previously served as a CFO for a successful local business before running her own business, Coastal Concierge. She has the skills and experience needed to make the loan process a smooth and enjoyable


Kelly is a hard worker and very dedicated to ensuring her clients are well taken care of, and provided with prompt follow up to questions and anticipating needs.

- Michael D.

Kelly was very efficient, timely, and competitive. We enjoyed working with her to get the best deal possible!

- Christopher K.

Great follow through. Having been “on the road “ for the last five months and not knowing just where some of our paperwork might be (storage unit or that group of papers that were forwarded or ???) made this a challenge for both Kelly and us. She kept working with us until we filled in any and all blanks. And even as we had a very tight timeline we got it done. Thank you for so much to Kelly and the Towne Bank Mortgage team.

- Murray A.

Quick and responsive. Great job

- Jeffrey A.

This has been one of the most positive experiences of my life! I am so incredibly grateful to Kelly. She is an amazing, kind and extremely ethical person, and I would not hesitate to recommend her to anyone! I am seriously blown away by the time and effort she spent with me. So grateful!!

- Julie A.

Kelly is very knowledgeable and easy to talk to. She was always on task and forward thinking. She always knew what to focus on and what needed to be completed next. She was great!

- Mary G.

Kelly and Kim made the whole process easy and fast. We were very satisfied with the level of service and communication provided by these ladies. We hope to work with them in the future should we make any more real estate investments.

- Keith B.

From the first day we contacted Kelly for a pre approval letter, I could tell she was amazing at her job! She had a letter within a few hours of us getting her our information to her on a Sunday! She worked nights, weekends and through the holiday season to help us close on our property quickly. She was amazing and we highly recommend her!

- Linzy L.

My husband and I had the pleasure of working with Kelly on our first ever home purchase. We are very thankful for Kelly's professional, responsive and honest assistance with the mortgage process from beginning to end. She went above and beyond to ensure our experience was as seamless as possible. We highly recommend Kelly and look forward to working with her again in the future!

- Mairin K.


- Drew M.
Kelly Barnes

Kelly Barnes

Mortgage Loan Officer
NMLS ID #: 1841372

Direct: 910-297-0448
Fax: 877-766-1481

Apply Online

Contact Kelly Barnes

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