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Kevin Kelly, Senior Mortgage Advisor at Progress Lending, LLC

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LOAN PROGRAMS

dozens of lenders so you don't have to. One application, multiple offers, the best rate — guaranteed.

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Whether you are buying your first home or your fifth, we have the right mortgage solution for you

Our streamlined process gets you from application to keys in hand faster than traditional lenders

not just another mortgage company. committed to making homeownership accessible and stress-free.

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Professional mortgage services tailored to your unique financial goals. Advocate for informed homebuyers. Helping consumers make smarter decisions with the right knowledge and tools.

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| . All loan programs, rates, terms, and conditions are subject to change without notice. Not all loan programs are available in all states. Other restrictions and limitations may apply. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Equal Housing Opportunity.

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Loan Programs
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About

What Sets Us Apart

Let's Work Together

LOAN PROGRAMS

, dedicated to helping families achieve their homeownership dreams with integrity, expertise, and personalized service.

Whether you are a first-time buyer or an experienced investor expanding your portfolio, you will get the guidance and loan solutions to make your goals a reality.

Ready to take the next step? Reach out for a free consultation and personalized rate quote.

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Services

Loan Programs & Services

Simple Steps to Your New Home

Common Questions

Not Sure Which Loan Is Right?

LOAN PROGRAMS

Explore our range of mortgage solutions designed to fit every need, whether you are buying your first home or refinancing an existing loan.

Schedule a free consultation and will help you find the perfect program.

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FHA Loans

FHA Loans Your Gateway to Homeownership

What Are FHA Loans?

Quick Qualification Check

FHA Loan Requirements

Credit Score

Debt Ratios

Down Payment

2026 FHA Loan Limits

Most Areas

High-Cost Areas

Alaska, Hawaii, Guam & USVI

FHA Loan Benefits

Frequently Asked Questions

Ready to Get Started?

LOAN PROGRAMS

Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.

FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers.

Get personalized FHA loan options with no impact to your credit score.

FHA loans have more flexible requirements than conventional loans, making homeownership accessible to more people.

*Subject to AUS Approval

Down payment can come entirely from gift funds from family members.

FHA loan limits vary by area. Here are the current 2026 FHA loan limits by area type.

See how FHA loans compare to conventional mortgages and why they might be the perfect choice for your homebuying journey.

Get answers to the most common questions about FHA loans

Let us help you navigate the FHA loan process and find the perfect home financing solution.

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VA Loans

VA Loans For Our Heroes

What Are VA Loans?

VA Benefit Calculator

VA Loan Eligibility Requirements

Veterans

Active Duty

Guard & Reserves

Certificate of Eligibility (COE)

How to Get Your COE

Required Documentation

Exclusive VA Loan Benefits

Frequently Asked Questions

Honor Your Service

LOAN PROGRAMS

Honor your service with VA home loans designed for veterans, active military, and eligible spouses. $0 down payment, no PMI, and competitive rates to help you secure the home you have earned.

VA loans are a benefit earned through military service, backed by the Department of Veterans Affairs. These mortgages offer unmatched advantages for veterans, active-duty service members, and eligible surviving spouses, making homeownership more accessible and affordable.

Honor your service with the benefits you have earned.

Determine if you qualify for this valuable benefit based on your military service history.

Must have completed required training and meet other service requirements.

Your COE proves to lenders that you are eligible for a VA-backed loan. We will help you obtain it quickly.

Take advantage of these powerful benefits earned through your military service.

Get answers to common questions about VA loans and benefits

Let us help you take advantage of the VA loan benefits you have earned through your service.

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Conventional Loans

Conventional Loans The Flexible Choice

What Are Conventional Loans?

Quick Qualification Check

Conventional Loan Requirements

Credit Score

Down Payment

Debt-to-Income Ratios

2026 Conventional Loan Limits

Baseline (Most U.S. Areas)

High-Cost Areas

Alaska, Hawaii, Guam & USVI

Private Mortgage Insurance (PMI)

When PMI Is Required

PMI Removal Options

Frequently Asked Questions

Ready to Get Started?

LOAN PROGRAMS

The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers.

Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations.

Traditional financing with flexible terms and competitive rates.

Conventional loans offer flexibility with competitive requirements for qualified borrowers.

Lower DTI ratios typically qualify for better interest rates and terms.

Understanding loan limits helps determine which conventional loan type fits your purchase price and property type.

Understanding PMI helps you make informed decisions about down payments and monthly costs.

Get answers to common questions about conventional loans

Explore your conventional loan options and find the perfect financing solution for your home.

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USDA Loans

USDA Loans Zero Down Payment Rural Home Loans

USDA Loan Benefits

How USDA Loans Compare

Qualification Requirements

Property Location

Income Limits

Credit Requirements

Frequently Asked Questions

Ready to Explore USDA Loans?

LOAN PROGRAMS

Get 100% financing in eligible rural and suburban areas. USDA loans offer zero down payment, low mortgage insurance rates, and flexible credit requirements for moderate-income homebuyers.

Discover why USDA loans are one of the best-kept secrets in home financing.

See why USDA loans are often the best choice for eligible rural and suburban homebuyers.

USDA loans are designed for moderate-income families. Check if you meet the requirements below.

Must be in a USDA-designated rural or suburban area. Many areas just outside major cities qualify. Use the USDA eligibility map or contact us to check your desired location.

Limits vary by county and household size

Get answers to common questions about USDA loans

Find out if your dream home is in a USDA-eligible area and start your journey to homeownership.

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Jumbo Loans

Jumbo Loans For Luxury Properties

What Are Jumbo Loans?

Jumbo Loan Calculator

2026 Loan Limits by Area

Standard Areas

High-Cost Areas

Jumbo Loan Thresholds

Jumbo Loan Benefits & Features

Jumbo Loan Qualification Requirements

Credit Requirements

Down Payment & Reserves

Frequently Asked Questions

Which Jumbo Program Fits You?

LOAN PROGRAMS

Specialized portfolio lending for luxury properties. Five distinct jumbo programs designed for unique borrower profiles, from first-time buyers to experienced investors.

Jumbo loans, also known as non-conforming loans, are mortgages that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are designed for financing luxury properties and homes in highly competitive real estate markets.

Specialized financing for luxury properties and high-value homes.

Conforming loan limits vary by area. Loans exceeding these limits require jumbo financing.

Any loan exceeding these limits in their respective areas requires jumbo financing.

Five specialized jumbo programs with varying DTI limits, reserve requirements, and property eligibility to match your unique situation.

Multiple jumbo programs with varying qualification requirements. We will match you to the program that best fits your profile.

Get answers to common questions about jumbo loans

Let our specialists analyze your profile and recommend the best jumbo program from our five specialized options.

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Loan Programs
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Reverse Mortgages

Reverse Mortgages Tap Into Your Home Equity

What Is a Reverse Mortgage?

How Much Can You Access?

Reverse Mortgage Requirements

Age Requirements

Property Requirements

Financial Requirements

How Reverse Mortgages Work

How You Receive Your Funds

Benefits of Reverse Mortgages

Important Considerations

Your Responsibilities

Costs & Fees

Frequently Asked Questions

Is a Reverse Mortgage Right for You?

LOAN PROGRAMS

Access your home's equity without monthly mortgage payments. For homeowners 62+, reverse mortgages provide tax-free cash to supplement retirement income, pay off debts, or cover unexpected expenses while you remain in your home.

A reverse mortgage is a special type of home loan that allows homeowners 62 and older to convert a portion of their home equity into cash. Unlike a traditional mortgage where you make payments to a lender, with a reverse mortgage, the lender pays you – and you typically don't have to repay the loan as long as you live in your home.

The amount you can borrow depends on your age, home value, and current interest rates. Older borrowers and those with higher-value homes can access more equity.

To qualify for an FHA-insured Home Equity Conversion Mortgage (HECM), you must meet these basic requirements.

Non-borrowing spouses under 62 may be protected

Property taxes and insurance must be kept current.

Understanding the process helps you make an informed decision about whether a reverse mortgage is right for you.

Choose the disbursement option that best fits your financial needs and goals.

Discover why thousands of homeowners choose reverse mortgages to enhance their retirement.

Understanding all aspects of reverse mortgages helps you make the best decision for your situation.

Get answers to common questions about reverse mortgages

Let us help you explore whether a reverse mortgage can enhance your retirement financial security.

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Loan Programs
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Dscr Loans

DSCR Loans No Income Verification Required

What Are DSCR Loans?

How Much Can You Borrow?

DSCR Loan Requirements

Credit Requirements

Property Requirements

DSCR Requirements

Understanding the DSCR Calculation

What's Included in PITIA?

What DSCR Means

Benefits of DSCR Loans

DSCR Loan Programs

Frequently Asked Questions

Ready to Grow Your Portfolio?

LOAN PROGRAMS

Build your real estate portfolio with DSCR (Debt Service Coverage Ratio) loans. Qualify based on property cash flow, not personal income. Perfect for investors, self-employed borrowers, and those looking to scale quickly.

DSCR (Debt Service Coverage Ratio) loans are specialized mortgages for real estate investors that qualify borrowers based on the property's rental income rather than personal income. This makes them ideal for investors who are self-employed, have complex tax returns, or simply prefer to keep their personal finances separate from their investment activities.

DSCR loans have streamlined requirements compared to traditional mortgages, making them perfect for real estate investors.

Higher scores may qualify for better rates and higher LTV

Short-term rentals and commercial properties may qualify

Lower DSCR may require larger down payment or reserves

The Debt Service Coverage Ratio is the key metric that determines your loan eligibility and terms.

*May still qualify with larger down payment

Discover why real estate investors choose DSCR loans to grow their portfolios faster.

Multiple options to fit different investment strategies and property types.

Get answers to common questions about DSCR loans

Let us help you secure DSCR financing for your next investment property.

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Loan Programs
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Bank Statement Loans

Bank Statement Loans Qualify with Bank Statements, Not Tax Returns

What Are Bank Statement Loans?

Income Calculation Example

Who Benefits from Bank Statement Loans?

Bank Statement Loan Requirements

Credit Requirements

Bank Statement Requirements

Loan Terms

Program Options

Personal Bank Statements

Business Bank Statements

Benefits of Bank Statement Loans

Frequently Asked Questions

Ready to Get Started?

LOAN PROGRAMS

Perfect for self-employed borrowers, business owners, and 1099 contractors who have strong cash flow but write off significant expenses on their tax returns. Use your bank deposits to qualify for the home you deserve.

Bank statement loans are non-QM mortgages designed for self-employed borrowers, business owners, and independent contractors who have difficulty qualifying for traditional loans due to tax write-offs. Instead of using tax returns to verify income, lenders review 12-24 months of bank statements to calculate your qualifying income based on actual deposits.

These specialized loans are designed for borrowers with non-traditional income documentation.

Flexible qualification guidelines designed for borrowers with strong cash flow.

Higher scores unlock better rates and higher LTV options

Business accounts may use higher expense factors

Choose the bank statement program that fits your situation.

For 1099 contractors & gig workers

For LLCs, S-Corps, & partnerships

Why self-employed borrowers choose this financing solution.

Common questions about bank statement loans

Don't let tax write-offs stop you from qualifying for the home you deserve.

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Loan Programs
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