{"id":490,"date":"2026-06-03T13:57:26","date_gmt":"2026-06-03T13:57:26","guid":{"rendered":"https:\/\/kennedymtg.com\/?page_id=110"},"modified":"2026-06-04T13:31:16","modified_gmt":"2026-06-04T13:31:16","slug":"residential","status":"publish","type":"page","link":"https:\/\/kennedymtg.com\/staging\/8888\/residential\/","title":{"rendered":"Residential Lending"},"content":{"rendered":"\n\n<p class=\"wp-block-paragraph\">Kennedy Mortgage works with Texas homebuyers, homeowners, and investors across the full range of residential mortgage programs. As a broker, we shop each loan across multiple wholesale lenders to find the right combination of rate, structure, and qualifying flexibility for the specific borrower and property. Whether you&#8217;re a first-time buyer using FHA, a veteran using VA, a self-employed borrower needing bank statement documentation, an investor buying a rental, or a foreign national purchasing a U.S. property, there is a program that fits, and we&#8217;ll find it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Thirteen loan programs across four categories<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Programs are grouped by borrower scenario. Click any program for full details on terms, eligibility, and use cases.<\/p>\n\n\n\n<style>\n.km-category{margin:48px 0 24px;}\n.km-category h3{font-family:'Sora',sans-serif;font-size:22px;font-weight:600;color:#18242E;margin:0 0 8px;padding-bottom:12px;border-bottom:2px solid #3E93CC;}\n.km-category p.km-cat-desc{color:#6B7280;font-size:15px;margin:0 0 24px;}\n.km-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;}\n.km-card{display:block;padding:24px;background:#fff;border:1px solid #E5E7EB;border-radius:6px;text-decoration:none;color:inherit;transition:transform 0.2s,box-shadow 0.2s;}\n.km-card:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(24,36,46,0.12);}\n.km-card h4{color:#18242E;margin:0 0 8px;font-family:'Sora',sans-serif;font-size:18px;font-weight:600;}\n.km-card p{color:#4B5563;font-size:14px;margin:0 0 12px;line-height:1.5;}\n.km-card .km-arrow{color:#3E93CC;font-weight:600;font-size:14px;}\n<\/style>\n\n<div class=\"km-category\">\n  <h3>Government-Backed Loans<\/h3>\n  <p class=\"km-cat-desc\">Loans insured or guaranteed by federal agencies, designed for specific borrower groups and property types.<\/p>\n  <div class=\"km-grid\">\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/fha-loans\/\">\n      <h4>FHA Loans<\/h4>\n      <p>Federally insured loans with low down payment and flexible credit requirements. Popular with first-time homebuyers.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/va-loans\/\">\n      <h4>VA Loans<\/h4>\n      <p>Zero down payment financing for eligible veterans, active-duty military, and surviving spouses.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/usda-loans\/\">\n      <h4>USDA Loans<\/h4>\n      <p>Zero down payment loans for eligible rural and suburban properties through the USDA Rural Development program.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n  <\/div>\n<\/div>\n\n<div class=\"km-category\">\n  <h3>Conventional &amp; Jumbo Loans<\/h3>\n  <p class=\"km-cat-desc\">Non-government loans through Fannie Mae, Freddie Mac, and portfolio lenders. The most common path for borrowers with strong credit.<\/p>\n  <div class=\"km-grid\">\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/conventional-loans\/\">\n      <h4>Conventional Loans<\/h4>\n      <p>Standard agency-conforming loans through Fannie Mae and Freddie Mac. Flexible terms and competitive rates for qualified borrowers.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/jumbo-loans\/\">\n      <h4>Jumbo Loans<\/h4>\n      <p>Loans exceeding conforming loan limits. Available for high-balance scenarios in Texas markets.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n  <\/div>\n<\/div>\n\n<div class=\"km-category\">\n  <h3>Specialty Programs<\/h3>\n  <p class=\"km-cat-desc\">Purpose-built loans for construction, renovation, equity access, and senior borrowers.<\/p>\n  <div class=\"km-grid\">\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/construction-loans\/\">\n      <h4>Construction Loans<\/h4>\n      <p>Single-close or two-close construction financing for new home construction. Convert to permanent at completion.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/renovation-loans\/\">\n      <h4>Renovation Loans<\/h4>\n      <p>FHA 203(k) and Fannie Mae HomeStyle renovation loans that finance purchase plus rehab in a single loan.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/heloc\/\">\n      <h4>HELOC<\/h4>\n      <p>Home equity line of credit for accessing accumulated home equity. Texas-specific constitutional requirements apply.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/reverse-mortgages\/\">\n      <h4>Reverse Mortgages<\/h4>\n      <p>Home Equity Conversion Mortgages (HECM) for homeowners age 62 and older. Tap home equity without monthly mortgage payments.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n  <\/div>\n<\/div>\n\n<div class=\"km-category\">\n  <h3>Non-QM \/ Alternative Documentation<\/h3>\n  <p class=\"km-cat-desc\">Programs that qualify borrowers based on alternative documentation when traditional W-2 \/ tax-return underwriting doesn&rsquo;t fit.<\/p>\n  <div class=\"km-grid\">\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/bank-statement-loans\/\">\n      <h4>Bank Statement Loans<\/h4>\n      <p>Self-employed borrowers can qualify using 12 or 24 months of bank statements instead of tax returns.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/dscr-loans-residential\/\">\n      <h4>DSCR Loans (1&ndash;4 Unit Investor)<\/h4>\n      <p>Investment property loans qualified on rental cash flow rather than personal income. Streamlined for portfolio investors.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/itin-loans\/\">\n      <h4>ITIN Loans<\/h4>\n      <p>Mortgage financing for borrowers using an Individual Taxpayer Identification Number rather than a Social Security number.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n    <a class=\"km-card\" href=\"\/staging\/8888\/residential\/foreign-national-loans\/\">\n      <h4>Foreign National Loans<\/h4>\n      <p>Mortgage financing for non-U.S. residents purchasing U.S. property. Uses foreign income, credit, and asset documentation.<\/p>\n      <span class=\"km-arrow\">Learn more &rarr;<\/span>\n    <\/a>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Not sure which program fits your scenario?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many borrowers qualify for multiple programs. The right answer depends on credit profile, income documentation, down payment, property type, and long-term plans. <a href=\"\/staging\/8888\/contact\/\">Start a conversation<\/a> and we&#8217;ll walk through your specific scenario.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Kennedy Mortgage works with Texas homebuyers, homeowners, and investors across the full range of residential mortgage programs. As a broker, we shop each loan across multiple wholesale lenders to find [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"page-templates\/pillar.php","meta":{"nf_dc_page":"","footnotes":""},"class_list":["post-490","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Residential Lending - Kennedy Mortgage<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kennedymtg.com\/staging\/8888\/residential\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Residential Lending - Kennedy Mortgage\" \/>\n<meta property=\"og:description\" content=\"Kennedy Mortgage works with Texas homebuyers, homeowners, and investors across the full range of residential mortgage programs. 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