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Helping You Find the
Perfect Loan for Your Future

At The Kelly Mortgage Team, we believe that homeownership should be within reach for everyone. Backed by New American Funding, we provide personalized mortgage solutions to fit your unique situation. Whether you’re a first-time homebuyer, a veteran, a retiree, or an investor, we’ll guide you through the mortgage process with expert advice, transparency, and a commitment to your financial success.

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Explore Your Loan Options

We offer a wide range of loan programs to fit your needs. Not sure which one is right for you? We’ll help you choose the best option based on your budget, credit, and homeownership goals.

See Your Options

Conventional Loan

I want down payment options

A traditional loan with competitive rates and flexible terms for those with solid credit.

VA Loan

I want a Veterans Affairs loan

Exclusive zero-down financing for veterans, active-duty military, and eligible spouses.

FHA Loan

I want flexible qualifications

A government-backed loan with low down payments and flexible credit requirements.

Reverse Mortgage

I want to retire on my terms.

A reverse mortgage allows homeowners aged 62 and older to convert a portion of their home’s equity into tax-free cash.

Construction Loan

I want to build a custom home.

Turn your vision into reality with financing designed for new home construction.

USDA Loan

I want to live outside city limits.

If you're looking for a home in eligible rural or suburban areas, a USDA loan could be your answer.

Jumbo Loan

I want to buy my dream home.

Need a larger loan amount than conventional limits allow? Jumbo loans are designed for high-value properties.

I CAN Mortgage

I want flexible loan terms.

With the I CAN Mortgage, you can customize your loan term — anywhere between 8 and 30 years.

30-Year Fixed-Rate Mortgage

I want fixed monthly payments.

One of the most popular options, a 30-year fixed mortgage offers consistent payments and long-term stability.

15-Year Fixed-Rate Mortgage

I want to pay off my loan faster.

Looking to pay off your home sooner and save significantly on interest? A 15-year fixed mortgage features higher monthly.

Adjustable-Rate Mortgage (ARM)

I want adjustable payments.

An ARM offers a lower initial interest rate for a set period — perfect if you plan to move or refinance.

Buydown Loan

I want a low interest rate upfront.

A buydown loan allows you to temporarily lower your interest rate at the start of your mortgage, reducing.

ADU Loan

I want an additional living space.

Finance the construction or renovation of an Accessory Dwelling Unit (ADU) — such as a guesthouse, in-law suite.

FHA 203(k) Loan

I want cash for renovations.

Buy a fixer-upper or renovate your current home with a single, streamlined loan. The FHA 203(k) loan.

Non-QM Loans

I want a loan for unique income.

Non-Qualified Mortgage (Non-QM) loans are ideal for borrowers who don't meet traditional lending criteria.

Interest-Only Loan

I want low initial payments.

Make lower monthly payments during the interest-only period of your loan. This option is perfect for borrowers.

Self-Employed Loan

I want a self-employed loan.

Running your own business shouldn’t stop you from owning a home. Our self-employed loan programs.

Second Mortgage

I want a stable second mortgage.

Tap into your home's equity with a second mortgage, giving you access to funds for major expenses.

Cash-Out Refinance

I want to use my equity for cash.

Refinance your mortgage and cash out a portion of your home’s equity. Use the funds for home improvements.

Home Equity Line of Credit (HELOC)

I want to use my equity for credit.

A HELOC works like a credit card — borrow against your home’s available equity as needed.

Resources to Help You Make Smart Decisions

Buying a home or refinancing? We have the tools to help:

Calculator

Mortgage Calculators

Estimate your monthly payments

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Loan Application Checklist

Get organized for a smooth application

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Our Blog

Expert insights on mortgage trends, homebuying tips, and financial strategies

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What Our Clients Say

“Dan is extremely professional. He is highly skilled at dissecting the specific needs of the buyer client, walk them through the process, set the expectations and communicate with them every step of the way. His communication with the buyers agent is very similar.”

Paul L.

“Brandon was a pleasure to work with. I am self-employed and own numerous businesses so my financials are not simple. When I had other mortgage brokers turn me away because it was going to be a difficult file, Brandon jumped on the opportunity and got me to closing smoothly and quickly.”

Tim C.

“Jimmy did an excellent job throughout our process. He made us feel 100% confident and comfortable with the biggest purchase we will ever make. I can’t recommend him enough to anyone who is looking buy a home.”

James M.

“Dan Kelly and the Kelly Team at Envoy Mortgage maintained a constant line of clear communication throughout the entire process. Being a first-time homebuyer, Dan made it very easy to understand both the current and future steps in the process.”

Brian H.

“Joe has been amazing in the process with my first time home buyers! The communication was greatly appreciated and he made himself available to walk the buyers through the entire process, even prior to submitting offers.”

Samantha H.

“John was very knowledgeable and responsive during the whole transaction. He was able to overcome some roadblocks that my client hit during the transaction. I would recommend John and his team to anyone who needs lending!”

Patrick B.

Meet Our Team

The Kelly Mortgage Team is here to guide you every step of the way. We pride ourselves on personal service, clear communication, and expert guidance.

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Frequently Asked Questions

How much do I need for a down payment?

It depends on your loan type! VA and USDA loans offer zero-down options, FHA requires as little as 3.5% down, and conventional loans.

Can I get a mortgage if I’m self-employed?

Yes! We offer Self-Employed Loans and Non-QM Loans designed for unique income situations.

How do I start the loan process?

Start by using our Loan Application Checklist, then contact us for a consultation!

What’s the difference between a 30-Year Fixed and an ARM Loan?

A 30-Year Fixed loan has steady payments, while an ARM Loan offers lower initial rates with adjustable terms.

What is a Reverse Mortgage?

Reverse Mortgage allows homeowners 62+ years old to convert home equity into cash while keeping their home.