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"We reached out to several lenders but it was Travis Kelly with Bank of England that was the most knowledgeable, organized, and motivated. As a first time home buyer, I was apprehensive on how to tackle this monumental task. Travis walked us through the entire process, provided a list of what needed to be done, and worked with us to punch through each task. Most importantly, his integrity and honesty is second to none. The work Travis did for us literally changed our lives forever. Our family will be Bank of England customers for life. If any of our friends and family are looking to purchase a home, they will be talking to Travis Kelly and his group first."

Jason Cox, Lake Alfred, Florida


"Former customer service is what brought us back to Bank of England Mortgage. They are always very responsive, available to answer questions, and great at providing support during our loan process. We thank Bank of England Mortgage for their excellent service and will definitely send referrals their way!"


"We were referred to Bank of England Mortgage through the VA. Travis Kelly was awesome about keeping us informed throughout the loan process and explaining items step by step. He made our Bank of England Mortgage experience pleasant by simplifying the experience. Bank of England Mortgage and Travis Kelly will absolutely get referrals from us."


We were very happy to be put in touch with Nick at Bank of England Mortgage. He was extremely thorough in defining our loan options and never pressured us in any direction. Also, his great personal and professional skills, ability to answer questions and providing us with the necessary info, made the experience very smooth. Bank of England Mortgage and Nick score 10 out of 10, and we will be referring our friends and family!


"Thank you again for all of your help and gentle persistence in this matter. You have enabled me to take advantage of the lower interest rates and more important, as I told you – I had no idea about the equity line of credit converting to a conventional loan with higher interest rates so by helping me to obtain this financing to pay off my debts, you have potentially helped me save my home."

Catherine, Indialantic, FL


"Thank you Jim for all your help. You have made my life less worrisome."

Barbara, Kissimemee, FL


"As a realtor with RE/MAX Town Centre, I have over 20 years of experience doing real estate transactions in the US and abroad. I have been working with Jim for over 5 years now. His excellent communication skills and personalization set him apart from nearly every other mortgage professional that I have worked with in the past. He has a vast knowledge of his bank’s products and has been able to use that to his advantage to convert some of the harder purchase transactions that we worked on together. Nearly every deal we have done together has closed quickly and I would highly recommend Jim to anyone looking to secure financing for a new home purchase."

Andrea Malmaa, RE/MAX Town Centre


"I have been trying to get a mortgage refinance on my home for almost a year. I have been dealing with 5 different banks and not one of them could get my mortgage completed. I spoke with Austin Grocoff, and he said he could get the mortgage for me. I wasn't sure at first after dealing with all these other banks. However, he was able to close my loan in less than 30 days! I will definitely recommend Austin to everyone I know needing his services. He was so professional and stayed right on top of everything. I have had the best experience working with him, and I will use him for all my mortgage needs. We need more people like Austin in the mortgage business because he definitely gets the job done. Thank you again, it was such a pleasure to work with you Austin!"

Kerri, Chuluota, FL


"As a Realtor with Keller Williams Classic Realty, I have been in the business for over 3 years. Now, and have worked with several different lenders. Austin Grocoff, with Bank of England was a professional from the beginning of the loan process to the closing of the property. The lines of communication were always open and clear. We spoke frequently and he kept me in the loop every step of the way. Whenever I needed Austin, he was right there to answer any questions. Even with a shifting time table the buyer placed on Austin and his team, he still managed to get the job done. They have handled any issue that would arise professional and quickly. I feel confident enough with Austin and his team at Bank of England, I will be referring new client and existing clients to Bank of England. I will instruct them to only ask for Austin Grocoff."

Ngozi Okonmah, Keller Williams Classic Realty


"As a Realtor with over 30 in the profession, I have had the chance to work with many banks and mortgage brokers, assisting my buyers to secure their mortgages. Along the way there are good and bad stories with some lenders, but there is always a lender who stands out. I started doing business with Austin two years ago. I refer all my clients and tell other Realtors about the person-to-person quality I’ve experienced from Austin with Bank of England. Working in this field you always run across a problematic situation while your clients are buying a home. In working with Austin, any situation or issue is handled quickly and efficiently. In my busy day I am pleased there is a bank that cares as much about my clients as I do. They have my business."

Phil Bailey, Total Realty


"Travis I just wanted to thank you for all your help in getting me Refinanced. I truly appreciate the way you do business. You were very up front an honest with me through the whole process. It went very smooth and actually I was surprised on how quickly we got to closing. I have now consolidated all my debt and my wife and I are now ready to remodel the kitchen. I will defiantly recommend you to any one that I hear that needs to Refinance. Once again thank you very much Travis."

Brian K


"We found Travis to be knowledgeable, thorough, and very professional. Early in our search for the best deal on a refinance we got a better offer than what Travis had made. We contacted him and told him what we had been offered. He explained the entire process to us and said that the offer we were given was not possible. He told us to call the guy back and told us exactly what to ask him. The guy admitted that he could not deliver the offer he made us. He said that he had made a mistake. Of course, if we had gone with his offer, it would have cost us a lot of time, frustration and money. Travis guided us through the entire process, delivered what he promised and I am convinced got us the best deal and saved us a lot of time, frustration and money. I would highly recommend him!"

Jim & Linda L


"Earlier this year while investigating the possibilities of refinancing our home I had the good luck of having Travis Kelley answer the phone when I called ENG Lending. ENG was the third financial company that I had called. The first two I spoke with were unsure of the new means available for refinancing homes that were currently valued at less than the mortgage on them. They took down the information that I gave them with the reassurance that they would be right back in touch with me with the answers. Not being a patient person I made the third call. Travis knew the requirement of the new loan opportunities and within minutes had brought me up to speed and had emailed me the forms that I would need. I trusted Travis and we closed on our new mortgage in record time and much to my satisfaction. It was a pleasure to work with someone who took that much pride and dedication in their work. The day of our closing I got a call back from the first company that I had called with answers to the original questions that I had asked them."

Bob K


"Hello, My name is Marion and my husband is Bob. We had the pleasure of working with Travis Kelly for our home refinance. I contacted his company because of a direct mail solicitation stating interest had dropped and was really just gathering information at the time and not sure that was the best thing for us to do. I had also called and talked to Wells Fargo who had our current mortgage. I can say I wasn’t unhappy with them, and the woman I talked to was nice at Wells Fargo but we just felt like a part of a big mass of people. They were difficult to get a call back from. Travis was very nice also and very knowledgeable. He also took the time to explain the HARP program. His rate was better, but we are seniors and cautious about working with someone we haven’t met. We chose to work with Travis because of his professionalism and were sure glad we did. I could call or e-mail Travis when I had a question. He was prompt sending the documents we needed to complete and return and he always updated us on the status of our loan. We always knew where we were in the process. Our loan closed as we expected, there were no surprises and the closing attorney came to our home. I don’t think you can ask for more. The customer service was great, and Travis knew his business. We were able to lower our rate, which saved us almost $300 a month. I have told my daughter about our experience and also a couple of friends. I expect he will be getting some calls from them soon."

Marion C