Residential Lending
Kennedy Mortgage works with Texas homebuyers, homeowners, and real estate investors across a broad range of residential mortgage programs. As an independent mortgage broker, we compare options across multiple wholesale lenders to identify competitive programs, structures, and qualifying options based on the borrower and property. Whether you’re buying your first home, refinancing, using VA or FHA financing, self-employed and considering a bank statement loan, purchasing an investment property, or exploring ITIN or foreign national financing, we can help evaluate the programs available for your specific situation.
Mortgage Programs for a Range of Borrower Needs
Programs are grouped by borrower scenario. Click any program for full details on terms, eligibility, and use cases.
Government-Backed Loans
Loans insured or guaranteed by federal agencies, designed for specific borrower groups and property types.
FHA Loans
Federally insured loans with low down payment and flexible credit requirements. Popular with first-time homebuyers.
Learn more →VA Loans
Zero down payment financing for eligible veterans, active-duty military, and surviving spouses.
Learn more →USDA Loans
Zero down payment loans for eligible rural and suburban properties through the USDA Rural Development program.
Learn more →Conventional & Jumbo Loans
Non-government loans through Fannie Mae, Freddie Mac, and portfolio lenders. The most common path for borrowers with strong credit.
Specialty Programs
Purpose-built loans for construction, renovation, equity access, and senior borrowers.
Construction Loans
Single-close or two-close construction financing for new home construction. Convert to permanent at completion.
Learn more →Renovation Loans
FHA 203(k) and Fannie Mae HomeStyle renovation loans that finance purchase plus rehab in a single loan.
Learn more →HELOC
Home equity line of credit for accessing accumulated home equity. Texas-specific constitutional requirements apply.
Learn more →Reverse Mortgages
Home Equity Conversion Mortgages (HECM) for homeowners age 62 and older. Tap home equity without monthly mortgage payments.
Learn more →Non-QM / Alternative Documentation
Programs that qualify borrowers based on alternative documentation when traditional W-2 / tax-return underwriting doesn’t fit.
Bank Statement Loans
Self-employed borrowers can qualify using 12 or 24 months of bank statements instead of tax returns.
Learn more →DSCR Loans (1–4 Unit Investor)
Investment property loans qualified on rental cash flow rather than personal income. Streamlined for portfolio investors.
Learn more →ITIN Loans
Mortgage financing for borrowers using an Individual Taxpayer Identification Number rather than a Social Security number.
Learn more →Foreign National Loans
Mortgage financing for non-U.S. residents purchasing U.S. property. Uses foreign income, credit, and asset documentation.
Learn more →Not sure which program fits your scenario?
Many borrowers qualify for multiple programs. The right answer depends on credit profile, income documentation, down payment, property type, and long-term plans. Start a conversation and we’ll walk through your specific scenario.