Joseph John Kelly

20010042035, Nov 15, 2001

Nov 29, 2000

09/725003

Keith Kelly - Fairfax VA, US
Joseph Kelly - Fairfax VA, US

G06F017/60

705/036000

A method and system (known as “A.R.C.”) to determine, on behalf of a mortgagee, how to allocate assets by using a closing cost credit when initiating or refinancing a mortgage associated with a property (e.g., a home, a business, or a vehicle, including a boat). The method and system take into account the tax savings, future value of money, and the effect of paying down debt for a mortgagee.

20010056397, Dec 27, 2001

Dec 3, 1999

09/453231

Keith Kelly - Vienna VA, US
Joseph Kelly - Fairfax VA, US

G06F017/60

705/038000

A computer-based method and system for controlling the mortgage rate charged to a mortgagee as a prevailing mortgage rate drops. Using an Automatic Rate Cut (A.R.C.) mortgage, a customer's interest rate may be reduced without going through a traditional refinance process. The A.R.C. Loan offers a model of financing for both purchasing or refinancing property (e.g., a residence). Once the customer has been in the program for a specified period since settlement date, the interest rate can be modified down provided that interest rates have declined since the customer entered the A.R.C. Loan. Secondary conditions can also be used to determine if the mortgage qualifies for a rate reduction.

20020046158, Apr 18, 2002

Dec 27, 2001

09/683423

Keith Kelly - Vienna VA, US
Joseph Kelly - Fairfax VA, US

G06F017/60

705/038000

A computer-based method and system for controlling the mortgage rate charged to a mortgagee as a prevailing mortgage rate drops. Using an Automatic Rate Cut (A.R.C.) mortgage, a customer's interest rate may be reduced without going through a traditional refinance process. The A.R.C. Loan offers a model of financing for both purchasing or refinancing property (e.g., a residence). Once the customer has been in the program for a specified period since settlement date, the interest rate can be modified down provided that interest rates have declined since the customer entered the A.R.C. Loan. Secondary conditions can also be used to determine if the mortgage qualifies for a rate reduction.

44387822, Mar 27, 1984

Feb 22, 1982

6/350919

Joseph E. Kelly - Vienna VA

The United States of America as represented by the Secretary of the Navy - Washington DC

F17D 106

137628

An isolation steam valve arrangement for use on the exhaust side of a steam urbine for directing exhaust steam therefrom to steam operated auxiliary equipment and for relieving or venting steam to the atmosphere. The valve arrangement includes a casing, or body provided with a single inlet and plural outlets. A main valve between the inlet and one of the outlets is selectively positionable from fully open to fully closed for controlling steam flow through one outlet for operating auxiliary equipment. A normally closed vent valve between the inlet and other outlet is adapted to open upon closure of the main valve to establish open communication between the inlet and other outlet in order to continuously vent to the atmosphere a low volume of steam from upstream of the main valve. A normally closed pressure operable relief valve is adapted to relieve to the atmosphere a high volume of pressurized steam from upstream of the main valve.