Welcome
Thank you for the opportunity to be your Home Loan Lender!
Getting Pre-Approved to purchase a home or get refinanced is as easy as:
Clicking on the red APPLY NOW directly above to fill out the application online
Meet the Team
Kelly Ann Worthington
Kelly Ann Worthington
Kelly Ann Worthington
Branch Manager & Senior Loan Officer
NMLS #1464587
Read Reviews From Clients & Realtors of Kelly Ann & The Team
LOAN PRODUCTS & SERVICES
Conventional Loan
Conventional Loan
Conventional Loan
- 30-Year & 15-Year Fixed Rates
- 3% Down Payment Options for First-Time Home Buyers
- As low as 5% Down Payment
- Non-Occupant Co-Signors Allowed
- Options for no PMI
- 620 minimum credit score
USDA Loan
Conventional Loan
Conventional Loan
- 0% Down Payment Option
- No PMI
- Only applies to designated areas, so notify us if you are wanting this loan option so that we can confirm if where you are looking qualifies.
- 640 minimum credit score
VA Loan
Conventional Loan
FHA Loan
FHA Loan
FHA 0% Down Payment Assistance Loan
FHA Loan
- 3.5% Down Payment Option
- Can have a non-occupant
- Can qualify with only 2 years out of a Bankruptcy
- 580 minimum credit score with 3.5% down payment
- 500-579 credit score with 10% down payment
FHA 0% Down Payment Assistance Loan
FHA 0% Down Payment Assistance Loan
FHA 0% Down Payment Assistance Loan
- 0% Down Payment
- No Length of Stay Requirement
- Amortized Payment into the loan for the money up front for covering the down payment
- Can have a non-occupant
- 600 minimum credit score
FHA Loan - No Credit Score Loan
FHA 0% Down Payment Assistance Loan
FHA 0% Down Payment Assistance Loan
- 3.5% Down Payment Option & 10% Down Payment Option Available
- must be able to show 24 months on-time rent payments
- must be able to provide 12 months most recent bank statements with 3 items coming out monthly outside of rent (utilities, insurance, cell phone bill)
Condo/Townhome
Renovation Loan - FHA, Conventional, & VA Options Available
Manufactured Home
- Conventional Loan Options to finance Condos & Townhomes are available.
- HOA Must Be Factored Into Debt & Housing Ratios
- Notify us that you are looking for this type of property as it requires a different pre-approval letter.
- 620 minimum credit score
Manufactured Home
Renovation Loan - FHA, Conventional, & VA Options Available
Manufactured Home
- Can be purchased through a FHA, Conventional, USDA, or VA Loan
- These require their own pre-approval. Let us know if this is the property type you are looking for.
- 600 minimum credit score
- Single Wide, Double Wide, or Stick-Built Add-On
Renovation Loan - FHA, Conventional, & VA Options Available
Renovation Loan - FHA, Conventional, & VA Options Available
Renovation Loan - FHA, Conventional, & VA Options Available
- Allows homebuyer to make renovations to a property through a contractor.
- Can be used to purchase or refinance your primary home and renovate it with one loan.
- FHA 203Ks
- Conventional HomeStyle
- VA Renovation
- Credit Score Required Depends on Loan Product
(600-620 minimum)
80/10/10 Loan
Investment Loans - Conforming & DSCR Non-Conforming Options Available
Renovation Loan - FHA, Conventional, & VA Options Available
- Allows you to keep a jumbo loan conventional by having an 80% loan amount, 10% home equity line of credit, and 10% down payment.
- HELOC principal available for the first 10 years!
- No PMI
- 680 minimum credit score
Investment Loans - Conforming & DSCR Non-Conforming Options Available
Investment Loans - Conforming & DSCR Non-Conforming Options Available
Investment Loans - Conforming & DSCR Non-Conforming Options Available
- Loan sizes $100,000+
- 15% - 20% down payment for single-family
- 25% down payment for multi-unit (2-4 unit)
- 6 months reserves requirement
- 680 minimum credit score
Non-Conforming Bank Statement Loan
Investment Loans - Conforming & DSCR Non-Conforming Options Available
Investment Loans - Conforming & DSCR Non-Conforming Options Available
- Loan sizes $100,000+
- 15% - 20% down payment for single-family
- 25% down payment for multi-unit (2-4 unit)
- 6 months reserves requirement
- 680 minimum credit score
Contact Us
Want a quicker response? Shoot Kelly Ann a text!
Kelly Ann is available 7 days a week!
You can text her 7 days a week from 8am to 10pm ET.
You can call her 7 days a week from 9am to 8pm ET.
You can email her 24/7!
Reach out anytime! You are never bothering her!
Kelly Ann Worthington
Branch Manager & Senior Loan Officer
NMLS #1464587
Cell: 440-346-6003
Email: kworthington@libertyhm.com
Kelly Ann Home Loans Team & Branches - Liberty Hom
2000 Auburn Drive, Beachwood, Ohio 44122, United States
Florida Branch: 111 North Orange Avenue, Suite 800, Orlando, FL 32801 Ohio Branch Office # 216-293-7800 Florida Branch Office # 689-208-0429
Copyright © 2025 Kelly Ann Home Loans - Liberty Home Mortgage Corporation - All Rights Reserved.
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