What We Do
Experience The Kelley Financial Solutions Difference Today
Traditional and Non-Traditional Loan Solutions
Explore a range of personalized loan options available and contact us today for a free consultation and let’s find the right mortgage solution for you.
Which one is right for you? Navigating the mortgage landscape can be complex, which is why we offer a comprehensive suite of loan products. We’ll help you explore every option, from time-tested choices to innovative solutions designed for today’s diverse borrowers.
Travis is amazing – he made this process easy, efficient and as stress free as possible. 10/10 recommend!
Jarib was always available when I called and if not he would text me back or call back right away. He was very easy going and knowledgeable, helping us through the process.
Fantastic experience working with Travis and his team! I have been a licensed title agent in central Florida for over 26 years and closed thousands of transactions, and I can honestly say Travis was wonderful to work with from start to finish. He communicated thoroughly and timely and we knocked out 2 transactions in less than 30 days! I definitely recommend Travis as your go-to mortgage broker.
I just closed on my very first home today, and I couldn’t have done it without Travis and the amazing team at Kelley Financial Solutions. From start to finish, Travis went above and beyond — he made what felt impossible, possible. His dedication, knowledge, and commitment to getting the job done were unmatched. The communication throughout the process was excellent. He kept me informed, answered every question, and made me feel supported every step of the way. If you’re looking for someone who truly cares and will fight to get you into your home, Travis is your guy. Thank you for helping make this dream a reality! Til next house brother!
After months of trying to get things done with no success, working with Travis Kelley at Kelley Financial Solutions was an absolute game-changer. My husband and I were looking to secure a home equity loan for much-needed renovations, and Travis made it happen—quickly, professionally, and with a level of service that truly exceeded our expectations. From day one, Travis brought a can-do attitude and handled everything with efficiency and care. He was incredibly responsive, kept us in the loop every step of the way, and always took the time to explain things clearly and thoroughly. Thanks to Travis’ expertise and persistence, we finally secured the loan we needed and can now move forward with improving our home. If you’re looking for a mortgage broker who is professional, proactive, and genuinely committed to getting results, we couldn’t recommend Travis more highly!
Response from the owner 13:04 05 May 25
Thank you for your kind words! 
I can’t say enough good things about Travis! From start to finish, they were professional, responsive, and truly invested in helping me refinance my home as quickly and smoothly as possible. What could have been a stressful and overwhelming process was made incredibly simple thanks to their deep knowledge of the market, attention to detail, and proactive communication.
They were always one step ahead—handling paperwork efficiently, coordinating with all parties involved, and making sure I understood every step of the process. Most importantly, they worked tirelessly to meet my timeline, and because of their hard work and dedication, I was able to complete this process faster than I ever imagined.
If you’re looking for a broker who genuinely cares, moves fast, and delivers results—look no further. Travis is a true professional and a total rock star. I’m beyond grateful and would recommend them to anyone in a heartbeat!
They were always one step ahead—handling paperwork efficiently, coordinating with all parties involved, and making sure I understood every step of the process. Most importantly, they worked tirelessly to meet my timeline, and because of their hard work and dedication, I was able to complete this process faster than I ever imagined.
If you’re looking for a broker who genuinely cares, moves fast, and delivers results—look no further. Travis is a true professional and a total rock star. I’m beyond grateful and would recommend them to anyone in a heartbeat!
Response from the owner 16:26 30 Apr 25
Thank you for these kind words 
We have spoken on several occasions in which Travis takes the time and effort to go above and beyond to find the best solutions for us. Even if he cannot help he will point you in the right direction. He treated us like family. He is very good at what he does and will not let you down.
Travis did an amazing job helping us in the home buying process. Really went above and beyond to make sure we were able to get a home and that means a lot. Definitely recommended.
Response from the owner 16:03 03 Apr 25
thank you for your kind words! 
Why Choose Traditional Loan Options?
Our goal is to provide a seamless and transparent experience for our clients, ensuring they receive the best loan selection experience possible.
Conventional Loans
The most common type of mortgage, offering competitive rates for those with strong credit and stable income. These loans are a great fit for a wide range of buyers and can be used for primary residences, second homes, and investment properties.
Government-Backed Loans
- FHA Loans: Ideal for first-time buyers or those with less-than-perfect credit. FHA loans offer lower down payment requirements and more flexible credit standards.
- VA Loans: An incredible benefit for our active military members, veterans, and eligible spouses. VA loans often require no down payment and have no private mortgage insurance (PMI).
- USDA Loans: Designed to help low-to-moderate-income borrowers purchase homes in eligible rural areas, often with no down payment required.
Jumbo Loans
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Fixed-Rate Mortgages
Lock in a stable interest rate for the entire life of your loan (typically 15 or 30 years), providing predictable monthly payments and long-term financial security.
Adjustable-Rate Mortgages (ARMs)
Start with a lower, fixed interest rate for an initial period, which then adjusts periodically. This can be a great option if you plan to move or refinance before the fixed-rate period ends.
Why Choose Specialized Expertise for Self-Employed Borrowers When It Comes To Getting A Loan?
As a self-employed professional, we understand that your income and tax returns may not always fit the traditional W-2 mold. We specialize in helping entrepreneurs, freelancers, and small business owners overcome common hurdles and get approved for the home loan they deserve. Our non-traditional loan programs are designed with your unique financial structure in mind:
Bank Statement Loans
Don’t let tax write-offs hold you back. We can qualify you based on the cash flow shown in your business or personal bank statements, typically over a 12- or 24-month period. This program bypasses the need for traditional tax returns and is perfect for borrowers with significant business deductions.
Profit & Loss (P&L) Loans
For business owners who prefer to show their income through their company’s P&L statements, we can use this alternative documentation to verify your earning capacity.
Asset Qualifier Loans
If you have significant liquid assets but traditional income is hard to prove, this program allows you to qualify by using your savings, investments, or retirement accounts.
1099 Income Loans
Designed for independent contractors who receive 1099 forms, this loan option uses your consistent earnings as a basis for qualification.
We pride ourselves on thinking outside the box to find solutions for those who don’t fit the standard lending criteria. Our team is excellent at helping self-employed borrowers navigate the complexities of documentation and underwriting, ensuring a smooth and successful homebuying journey.
Ready to get started? Contact us today for a free consultation and let’s find the right mortgage solution for you.
