Discover our services

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Mortgage Prequalification

Our dedicated mortgage team will thoroughly assess your financial profile, including your income, credit score, assets, and debts, to determine your optimal loan budget. Providing you confidence in your search for a home, knowing you’ve already been preapproved by a lender.

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Purchasing a Home

Your offer has been accepted and you are ready to submit an application for a mortgage. Congratulations! Our team is ready to help you seamlessly navigate the process. Our goal is to ensure you understand your loan options and have access to your loan officer every step of the way.

A female doctor with dark hair, wearing a white coat and a blue stethoscope around her neck, standing confidently with her arms crossed against a red background. Doctors Mortgage Program. 100% Physician Financing for Residential Mortgage.

Physicians Mortgage

100% Doctor Financing Program

Program Highlights

  • 100% Financing Available (No down payment required)

  • No Mortgage Insurance (MI)

  • Maximum Loan Amount: $2,000,000

  • Eligible Property Type: Primary Residence Only

  • Transaction Types: Purchase & Rate/Term Refinance

  • Minimum FICO Score: 680 (only one score required)

  • Gift Funds: Permitted for reserves

  • Student Loan Flexibility: Payments may be excluded from DTI calculation

Loan Options

  • Fixed-Rate Mortgages:

  • Adjustable-Rate Mortgages (ARM):

Eligible Medical Professionals

  • Medical Doctor (MD)

  • Doctor of Osteopathic Medicine (DO)

  • Doctor of Dental Surgery (DDS)

  • Doctor of Dental Medicine (DMD)

  • Doctor of Pharmacy (PharmD)

  • Doctor of Veterinary Medicine (VMD)

  • Doctor of Podiatric Medicine (DPM)

  • Certified Registered Nurse Anesthetist (CRNA)

Rental Home Financing

DSCR Financing

DSCR Loan Benefits: Smarter, Easier, Investor-Focused Financing.

  • Qualify using rental property income—no personal income verification required

  • Streamlined approvals for faster access to financing

  • Minimal documentation to simplify the process

  • Flexible credit guidelines designed for investors

  • Higher leverage options to maximize your purchasing power

  • Fast closings so you can move quickly on investment opportunities

  • Perfect for building and scaling your real estate portfolio

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Refinance a home

There are many reasons to refinance your home. Whether you are looking to take cash out for a remodel, purchasing another property, debt consolidation, or simply lowering your current rate. Fred Kelley Mortgage has loan options to simply your mortgage transaction.

A man with glasses and a beard, in a business casual outfit, sitting, counting a stack of hundred dollar bills in a modern office. Self Employed Persons are eligible for a Residential Mortgage using specialized loan programs for business owners.

Self Employed Financing

Non-QM Jumbo Loans: Flexible, High-Limit Financing Built for Self-Employed Borrowers.

  • Qualify using bank statements, 1099s, P&L statements, or other alternative income documentation—no tax returns required

  • Access higher loan amounts with jumbo financing options

  • Benefit from common-sense underwriting that reflects your true earning power

  • Enjoy competitive terms tailored to self-employed borrowers

  • Designed for business owners, entrepreneurs, and self-employed professionals who need solutions traditional lenders won’t offer

Client Testimonials

  • “Working with Fred Kelley and his team was a painless experience . Very knowledgeable!"

    Judy Nolan

  • “If it wasn't for Fred Kelley Mortgage, I don't believe we would have closed on time. Excellent communicator!"

    Dr. Scott Stewart

  • “Fred and his team took the time to understand my goals and financial situation. then offered an amazing solution."

    Alberto Mendoza

  • “I have a very unique business and was told on multiple ocassions i couldn't qualify. Fred Made it happen!"

    N. Robinson

  • "I put an offer on a home and i closed in less than 18 days! Very Efficient and knowledgeable."

    Oscar Almaguer

  • Mr. Kelley worked with my Realtor and strcutured my offer in such a way that I actually got money back at closing!

    Taylor Green

  • I decided to purchase my first investment home. Fred took the time to educate me on DSCR financing. Painless, quick, and Easy closing.

    Jane Le