Ryan Earley

December 29, 2017

Mortgages At the New Year

Out with the old, in with the new is the old saying about the new year.  It’s a time to reflect on the past year and…
November 1, 2017
Call The Home Loan Expert Team in St. Louis at (314) 781-9700, Chicago at (773) 770-4727, Indianapolis at (317) 550-1515 or Nashville at (615) 810-8555. You can always apply online at www.thehomeloanexpert.com, and we’re also open on Saturdays and will come to you to help close your loan. We work hard to make it easy on you. Nobody gets lower rates on better loans than The Home Loan Expert, Ryan Kelley, why go anywhere else?

The Difference Between Earnest Money and Down Payment

When buying your home, you will be asked for an “Earnest money” deposit.  While many inexperienced home buyers think that this is the down payment, it…
September 27, 2017
How to Increase Your Mortgage Appraisal

How to Increase Your Mortgage Appraisal

Your appraisal is a huge part of your home purchase or refinance.  It’s an expert evaluation of your property and home (or the home that you’re…
September 22, 2017
How Can Your Mortgage Help You With Home Improvement?

How Can Your Mortgage Help You With Home Improvement?

Home Improvement projects are always fun to dream about and plan out.  Fixing or updating the fixtures of your home are a great way to make…
September 11, 2017
What Newlyweds Need to Know When Buying a House Together

What Newlyweds Need to Know When Buying a House Together

Newlyweds.  What a blast, right?  You get to have a big party, see all of your friends and family, and at the end, take a nice,…
August 11, 2017
Maximize Your Ability to Buy a Home

Maximize Your Ability to Buy a Home

Today’s home market is very, VERY competitive.  Every advantage you can take when buying a house is a good choice.  When you’re shopping for a home,…
August 2, 2017

Shopping For a Home? Avoid These Mistakes

So, you are pre-qualified for a mortgage and you’re shopping for a home.  You may think you’ve got it all under control, and nothing can stop…
July 26, 2017
Why Refinance Your Mortgage, and Why Now?

Why Refinance Your Mortgage, and Why Now?

There’s never been a better time to refinance your mortgage.  It sounds crazy, I know, but look at the market.  Your home has likely never been…
June 26, 2017
How To Win With a Backup Offer on Your Home

How To Win With a Backup Offer on Your Home

When a home sale is “Pending” that means that there has been an accepted offer on the home.  So that’s it, right?  Your dream home is…
May 8, 2017
Even If You're Self-Employed, You Can Still Buy a Home

Even If You’re Self-Employed, You Can Still Buy a Home

Being self-employed has a lot of advantages.  You can choose your own hours, wear what you want, decorate how you like, and generally are in charge…
April 17, 2017

Your Budget Matters When Buying a Home

Knowing what kind of home you can afford and your budget will make buying your home easier.  When you understand how much your home will cost you,…
March 15, 2017
Four Simple Steps To Fix Your Credit Score Before Applying

Four Simple Steps To Fix Your Credit Score Before Applying

If you’re applying for a mortgage or refinancing, you know that your credit score is one of the first things that we look at to determine…