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.
Kelley Financial Solutions
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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.







