Home Loans

Finding the right home loan is the critical first step in turning your homeownership dreams into a reality. At Kelsey Schultz, Mortgage Lender, we offer a comprehensive portfolio of home loans designed to meet the diverse needs of every buyer, from first-time homeowners to seasoned real estate investors. We believe there is no one-size-fits-all solution when it comes to financing. Our role is to act as your trusted guide, helping you navigate the complexities of different loan products to find the one that best aligns with your financial goals and long-term plans. We are dedicated to being the best place to get a home loan by providing an unbeatable combination of competitive rates, a broad range of options, and expert, personalized advice.

Our extensive expertise in home loans allows us to secure financing for almost any type of property and for any borrower. We work with a vast network of lenders, giving us the unique ability to act as your personal advocate and secure the lowest rate home loan for your situation. Here are just a few of the many loan types we specialize in, each with its own specific benefits:

• Conventional Loans: This is the most common type of home loan and a great fit for borrowers with strong credit and a stable financial history. We can help you secure a conventional loan with as little as 3% down. Conventional loans offer a variety of terms, from shorter 15-year terms that save you money on interest to a traditional 30-year term that offers lower monthly payments. We can also show you how to avoid private mortgage insurance (PMI) with a 20% down payment, saving you a substantial amount on your monthly payments.
• FHA Loans: Ideal for first time homebuyer clients and those with less-than-perfect credit, an FHA loan offers a lower down payment option and more flexible credit score requirements. We are experts at navigating the specific guidelines of FHA loans and can help you determine if this is the right option for you, providing an accessible path to homeownership that might not be available through other loan types.
• VA Loans: We have a special commitment to those who have served our country. We are specialists in home loans for veterans, which offer incredible benefits, including no down payment and no monthly PMI. These loans also often have lower interest rates and flexible qualification criteria. We understand the unique requirements of the VA loan program, from the Certificate of Eligibility (COE) to the property inspection standards, and we can guide you through the process seamlessly, ensuring you receive the benefits you have earned and deserve.
• USDA Loans: For buyers in eligible rural areas, a USDA loan is a powerful tool that offers zero down payment financing. We can help you determine if the property you’re interested in qualifies for this excellent program, opening up opportunities to purchase a home in a more rural setting without the burden of a down payment.
• Jumbo Loans: For clients looking to purchase a high-value property that exceeds conforming loan limits, we offer specialized jumbo loan solutions with competitive rates and flexible terms. We have the expertise to navigate the unique requirements of these loans, including larger down payment requirements and more rigorous financial reviews, to get you the financing you need for your luxury home.
• Investment Property Loans: Whether you’re looking to acquire your first rental property or expand your real estate portfolio, we have a range of loan products specifically designed for investment property loans. We can help you understand the different requirements for these loans, which often include larger down payments and specific debt-to-income ratio calculations, and find a product that maximizes your return and cash flow.
• Second Home Loans: For those dreaming of a vacation home or a pied-à-terre, we offer a variety of options for second home loans with flexible terms and rates. We can help you understand the difference between a second home and an investment property from a lending perspective and find the most favorable option for your goals.
• Construction Loans: If you’re building a new home from the ground up, we offer construction loans to finance the project. We can guide you through the complex process of securing financing for both the land and the build itself, providing a single, comprehensive solution that simplifies the entire project.

To help you make sense of all these options, we provide a state-of-the-art mortgage calculator. This valuable tool allows you to plug in different loan amounts, interest rates, and loan terms to see how your monthly payment changes. We will sit down with you and use this calculator to compare various scenarios, ensuring you choose a loan product that you are comfortable with for the long term. Our dedication to a client-focused approach and our deep understanding of the home loans market make us your ideal partner in home financing. We are here to answer all your questions and provide the expert guidance you need to confidently purchase your next home.