Michelle Holley | Mortgage Advisor

Michelle Holley is dedicated to helping first-time homebuyers navigate the path to homeownership with confidence. Offering low down payment options and access to down payment assistance (DPA) programs, Michelle provides solutions to make buying your first home affordable and achievable. Whether you’re just getting started or need guidance to qualify, Michelle will help you secure the financing you need to move into your dream home.

Michelle Holley offers conventional loan options with competitive rates, flexible repayment terms, and low down payments starting at 3%. Whether you’re purchasing a primary residence, second home, or investment property, Michelle helps you explore options to avoid private mortgage insurance (PMI) and find the best loan program for your long-term financial goals.

Michelle Holley specializes in FHA loans, which provide low down payment requirements and lenient credit score criteria to make homeownership more accessible. With down payments as low as 3.5%, FHA loans are ideal for first-time buyers and those looking to refinance. Michelle will guide you through the process, helping you secure an affordable mortgage with flexible terms and government-backed protection.

Michelle Holley proudly supports veterans, active-duty service members, and military families by offering VA home loans with zero down payment, no PMI, and low rates. These loans are designed to honor your service while providing flexible, affordable financing. Whether you’re buying a home or refinancing, Michelle makes the process simple and stress-free.

For buyers seeking financing for luxury homes or high-value properties, Michelle Holley provides jumbo loan programs with competitive rates and custom financing options. These loans are perfect for borrowers who need amounts that exceed conventional loan limits while still offering affordability and flexibility.

Michelle Holley understands the unique challenges faced by self-employed borrowers and offers personalized mortgage solutions to simplify the process. With programs that allow alternative income verification, including bank statements, Michelle makes it easier for business owners and entrepreneurs to qualify for home financing without the stress of traditional requirements.

If you don’t fit the mold for traditional loans, Michelle Holley offers Non-QM loan options for borrowers with non-traditional income sources. Perfect for real estate investors, freelancers, and business owners, these loans provide flexible qualification guidelines to ensure you can secure the financing you need.

Michelle Holley makes financing simple for self-employed borrowers and business owners with bank statement loans. Instead of relying on tax returns, these loans allow income to be verified through bank deposits, making it easier to qualify. Michelle helps you navigate this process to secure financing that fits your financial situation.

Michelle Holley provides investment property loans designed to help buyers grow their real estate portfolios. Whether you’re purchasing your first rental property or adding to an existing portfolio, Michelle offers competitive rates and flexible terms to help maximize returns on your investment.

For non-U.S. citizens without a Social Security Number, Michelle Holley offers ITIN loans that use an Individual Taxpayer Identification Number to qualify for financing. With customized programs and flexible options, Michelle helps buyers achieve homeownership and build financial security.

Whether you’re looking to lower your monthly payments, reduce your interest rate, or tap into home equity, Michelle Holley provides refinance solutions that fit your goals. From rate-and-term refinancing to cash-out options, Michelle will guide you through the process and help you maximize savings.

Michelle Holley offers HELOC options to help homeowners access their home equity for renovations, debt consolidation, or unexpected expenses. With low rates and flexible repayment terms, a home equity line of credit provides the financial flexibility you need while keeping payments manageable.

If you’re buying a fixer-upper or planning to build your dream home, Michelle Holley offers renovation and construction loans to cover both purchase and improvement costs. These loans provide the funding you need to make repairs, upgrades, or even start new construction—all with one streamlined loan.

For buyers interested in purchasing a home in rural or suburban areas, Michelle Holley offers USDA loans with zero down payment and affordable interest rates. These loans are backed by the U.S. Department of Agriculture and are perfect for buyers looking to take advantage of government-backed financing. Michelle can help determine your eligibility and simplify the application process.

Michelle Holley offers adjustable-rate mortgages (ARMs) for buyers who want lower initial payments or plan to refinance later. ARMs start with a low fixed rate for a set period and then adjust based on market conditions. This flexible financing option is ideal for buyers expecting financial growth or planning to sell within a few years.