Kelly Community has been honored as a “Best in Town” lender for six consecutive years and continues to hold this distinction.

At Kelly Community, we’re proud to offer these mortgage options:

• FHA (Federal Housing Administration) Loan
• Conventional home loan
• ARM (Adjustable Rate Mortgage)
• Fixed Rate Loans
• VA Mortgage Loans
• Possible low down payments

Whether you’re building a home from the ground up or purchasing one in the midst of construction, we have the perfect financing solution for your soon-to-be new home.

A construction loan from Kelly Community can help finance your new construction or any other building project for your current residence. To make it even better, we offer some of the most competitive rates in town for construction loans.

With a Home Improvement Loan, you can make your home the place you’ve always dreamed about. The loan is secured using your house as collateral, which means you’re likely to get lower rates. Pick your favorite contractor, then start your application to see what we can do for you.

Our Home Improvement Loans can cover a home you own in full or a home you’re still paying a mortgage on. The money from the loan is paid directly to your contractor and puts a lien on the property you are improving.

We will need the contractor’s bid, plans, and specs (if you are adding on to the house). Our appraisal will be based on the improvements you are making.

Home Equity

Our Home Equity Loan option gives you more freedom than a Home Improvement Loan – you can do almost anything with a Home Equity Loan.

From emergency expenses to dream vacations, you can borrow on the equity in your home and use that money for just about anything including:

• Medical expenses
• Dream vacation
• Home renovations
• Continuing education
• Credit card consolidation

In addition to our home equity loans, we also offer cash-out loans as a form of mortgage refinancing to help convert your existing equity into hard cash, while taking on a larger new loan. Each situation is different; but if you believe a cash-out loan or home equity loan may be right for you and your family, contact us to schedule an appointment today!

Kelly Community offers loans specifically for the purchase of land, helping you secure the ideal property when it’s available.

• Land purchase
• Unimproved property

Benefits of Buying Land

• Land often appreciates over time, especially in areas with growing populations, increasing demand, or planned infrastructure projects. This can lead to significant returns on investment.
• Owning land allows you to build your dream home or a custom structure that suits your specific needs and preferences.
• Purchasing land now with the intent to build later provides a secure location for a future retirement home.

Purchasing land can serve both personal and financial goals, providing opportunities for development, investment, and legacy creation. Let Kelly Community help you start your process today!

Many people dream of owning a home, but they fear they may not qualify. HOPE 100 empowers you to homeownership by removing some of the barriers you may think will keep you from buying a home.

NMLS #405460