VA loans
For eligible service members, veterans, and surviving spouses. Kelly helps borrowers think through entitlement, PCS timing, closing costs, appraisals, and using the benefit again.
Read the program guideLast updated: August 2026
Mortgage Loan Programs
Mortgage decisions are personal. Kelly helps you compare practical options based on your income, property, timeline, and goals.
Financing paths
The programs Kelly works with most often.
Start with the program that sounds closest to your situation, then learn how it works, what to consider, and which questions to ask.
First-time buyers & down payment assistance
A guided look at funds needed, assistance possibilities, gift funds, closing costs, and the steps that turn a homebuying goal into a practical plan.
Read the program guideConventional & FHA loans
Two common financing paths with different strengths. The right conversation considers the full scenario—not just the down payment.
Read the program guideSelf-employed & bank-statement loans
Options for business owners and independent professionals, including traditional documentation and alternative bank-statement approaches when appropriate.
Read the program guideInvestor & DSCR loans
Financing for investment properties, including options that may evaluate the property’s cash flow as part of the qualification approach.
Read the program guideConstruction-to-permanent loans
A coordinated financing path for eligible land and homebuilding scenarios. Planning starts with the land, builder, budget, timeline, and occupancy plan.
Read the program guideHELOCs
A way for qualified homeowners to access available home equity. Kelly can help explain how a HELOC differs from other refinance choices.
Read the program guideUSDA loans
A no-down-payment option for eligible buyers purchasing a primary residence in a qualifying area and within current household-income limits.
Read the program guideManufactured homes
Financing guidance for eligible manufactured and modular homes, including land, title, foundation, appraisal, and property-documentation questions.
Read the program guideA better first question
Not “What is the best loan?” but “What fits this situation?”
A good mortgage plan looks beyond one feature. Kelly helps borrowers consider available funds, monthly comfort, timeline, property, income, and longer-term priorities together.
Every loan option has a job. The goal is to understand which one is doing the right job for you.
Educational guidance, not one-size-fits-all advice
Quick answers
Questions about choosing a mortgage program
Which mortgage program is best for me?
There is no universal best program. Compare borrower eligibility, income documentation, credit, available funds, occupancy, property, rate, points, mortgage insurance, monthly payment, cash to close, and long-term plans using the same scenario.
Can I compare more than one loan program before applying?
Yes. Educational estimates can compare likely options before a complete application. A final recommendation and approval require current pricing, a full borrower review, property details, program eligibility, and underwriting.
Do the lowest down-payment programs always cost less?
No. A lower down payment can preserve savings, but it may change mortgage insurance, rate, fees, assistance terms, or monthly payment. Compare the complete structure and the cash remaining after closing.
Not sure where you fit? That is normal.
Bring the scenario to a 15-minute strategy call and start with a clear, honest conversation.