At The Kelly Mortgage Team, we know every homeowner’s journey is different. That’s why we offer a wide range of loan programs tailored to fit your unique needs, budget, credit, and goals. Whether you’re buying your first home, building a dream house, investing in renovations, or tapping into your home’s equity, our experienced team will help you find the perfect solution.

Not sure where to start? Don’t worry — we’ll walk you through your options and help you choose the loan that makes the most sense for you.

Explore Your Options Below

Conventional Loan

I want down payment options

A traditional mortgage ideal for borrowers with good credit. Conventional loans offer competitive interest rates, flexible down payment options (as low as 3% in some cases), and fewer restrictions than government-backed loans.

VA Loan

I want a Veterans Affairs loan

Available to eligible veterans, active-duty service members, and surviving spouses, VA loans offer 100% financing with no down payment required. Enjoy reduced closing costs, no private mortgage insurance (PMI), and great rates as a thank you for your service.

FHA Loan

I want flexible qualifications

Backed by the Federal Housing Administration, FHA loans are perfect for first-time buyers or those with less-than-perfect credit. With low down payment requirements (starting at 3.5%) and flexible credit standards, FHA loans make homeownership more accessible.

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 — without selling their home or taking on new monthly payments. Perfect for supplementing retirement income or covering healthcare expenses.

Construction Loan

I want to build a custom home.

Turn your vision into reality with financing designed for new home construction. A construction loan provides short-term funding during the building phase, with the option to transition into a traditional mortgage once your home is complete.

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. These government-backed loans offer 100% financing, low interest rates, and reduced mortgage insurance premiums.

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 and come with competitive rates and flexible terms to help you finance your dream home.

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 — giving you more control over your monthly payments and overall interest savings. Flexibility built around your goals.

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. It's ideal if you plan to stay in your home for a long time and want peace of mind about your monthly budget.

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 payments compared to a 30-year loan, but offers quicker equity buildup and long-term savings.

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 before the rate adjusts. Enjoy lower payments early on with the flexibility to adapt later.

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 your monthly payments during the early years — great for new homeowners or those expecting future income increases.

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, or rental property — to maximize your home's value and functionality.

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 covers both the purchase price and renovation costs, making it easier to finance your dream home project.

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 — such as the self-employed, retirees, or those with complex income streams. More flexibility, fewer roadblocks.

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 who expect future income growth or want to maximize cash flow early on.

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 offer flexible documentation options and customized solutions based on your unique financial profile.

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 without affecting your original loan's low rate or terms.

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, debt consolidation, education expenses, or anything else you need.

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, with flexible repayment options. Ideal for ongoing projects or unexpected expenses.

Not Sure Which Loan Is Right for You?

We’re here to help. At The Kelly Mortgage Team, we make it easy to understand your options, compare programs, and find the loan that’s tailored to your financial goals. Contact us today to schedule a free consultation and start your homeownership journey with confidence!

Loan Options with The Kelly Mortgage Team