What We Do

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

5.0Out of 5 stars

Overall rating out of 127 Google reviews

Kaelyn Moak
3 weeks ago

Travis Kelley and his team got me and my husband the best deal when purchasing our home. Travis and his team are very thorough and timely. We couldn’t be happier!! I highly recommend Kelley Financial Solutions for anyone looking to purchase a home!

James Brodick
a month ago

We had an incredible experience working with Kelley Financial Solutions. From the very beginning, they were professional, responsive, knowledgeable, and genuinely committed to making the entire process as smooth as possible. Buying a home can be stressful, but their communication and attention to detail made a huge difference. They kept everyone informed, answered questions quickly, and went above and beyond to make sure everything stayed on track. Even when challenges came up, they were proactive, solution-oriented, and always focused on getting the deal to the closing table. As real estate professionals, we work with a lot of lenders, and we know how important a great lending partner is. This is someone we would absolutely recommend to our clients, friends, and family without hesitation.

Yangyu Su
a month ago

Travis is the GOAT (Greatest Of All Time)! He is quick and helped me with all my last minute financing needs which ultimately secured my contract for my first ever home purchase. I honestly could not have done it without him. If you are in a competitive market, look no further than Kelley Financial Solutions!

Steven Swager
a month ago

Jarib Stout with Kelley Financial was a tremendous resource for us getting this. He was professional & thorough, always willing to answer questions and talk with us when we needed further information.

Jeff Gruppe
2 months ago

Travis is very knowledgeable and took the time to explain everything to us clearly and thoroughly. He was patient, professional, friendly, and generally helpful. We really appreciate his attention to detail and the time he took to answer all of our questions. He made the entire experience easy and stress-free, and we would definitely recommend Travis to others.

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.